Having auto insurance is an important choice for anyone driving on the roads these days. There are so many distractions like talking on cell phones, reading books and shaving one’s head, that it isn’t uncommon to find yourself in a fender-bender or something more serious. Carrying car insurance can make an incident like this a lot more manageable for you and your family.
Simply put, auto insurance provides financial protection for you and your family in the event of a car accident. You sign a contractual agreement with your insurance company, where if you pay a premium in a timely manner, that company will cover your losses in the event of an accident.
Car insurance is typically made up of these three specific types of coverage: property coverage, medical coverage and liability coverage.
- Any damage which occurs to your car in an accident will be covered by property coverage. Property coverage will also be used if your car is stolen.
- Any payments needed for injuries, rehabilitation due to injuries, lost wages and funeral expenses will be covered by medical coverage.
- Anything you are legally responsible for, such as when other are injured or their property is damaged in an accident determined to be your fault, will be covered by liability coverage.
Almost all states mandate auto insurance for any vehicle that you drive. When you get your driver’s license or renew your license plate, it is customary to provide proof of insurance. There are some instances where car insurance isn’t required. Even then, it is required that you be able to pay for any losses that you incur on other people.
Not carrying auto insurance is a huge risk. If you are in an accident, where it is found that you are at fault, you could be fully responsible for replacing your car, paying any medical bills, and any expenses that add up if you happen to cause harm or damage to someone else, their car or their property!
A great place to start your search for car insurance options is on the Internet. An independent agency like ours can shop multiple carriers at the same and get you the best coverage. We also offer the option for you to get free online quotes. What could be easier than that?
Like most services, it is imperative to find a policy that matches your specific wants and needs. We will work with you to create a plan that is right for you and your family. Give us the details we will research the best insurance options are available to you so you can create and maintain a car insurance plan that is right and will work for you and your family. Call us today at (512) 454-4567 for an Austin auto insurance quote.