Auto Insurance - Althea Johnson Agency - Hicksville, NY

Auto Insurance

Good Car Insurance Coverage

What is Car Insurance?

Driving, whether it is the day-in and day-out going to work or simply the weekend drives with the family, has it many inherent risks. Auto insurance is what can give you the priceless peace of mind in knowing that, should an unfortunate and unexpected event occur, such as accidents and other loss-causing situations, you are protected. Drivers who carry insurance for their vehicles are also availed of the possibility of mitigating repair expenses quite substantially.

Who Needs It?

Anyone who has a valid driver’s license is required to carry some level of car insurance. The kind of protection does not need to be attached only with the person who owns a vehicle, it is meant for the drivers and, indeed, multiple drivers can be included on one policy for a car. It’s also something to consider for those who are unlicensed and yet still regularly ride inside an insured automobile.

How it Functions

As long as one pays his or her premiums, an auto policy stays in effect for a certain amount of time, either six months or a year. How one pays can vary. Premiums can be paid in monthly installments directly to the insurance provider or one can make a single payment to cover the car for the entire period of the insurance term, often at a discount. With the technology of today, one can easily manage all the various aspects of insurance, such as making payments and filing claims, all through the use of the Internet. Indeed, insurers offer their clients discounts for utilizing their online portals as it saves costs on labor and cuts down on the processing and use of paper documents, like statements and policy updates, etc.

Different Kinds of Coverage Offered

The liability aspect of the coverage is what compensates for the medical bills from injuries as a consequence of auto accidents. It doesn’t matter who is at fault in the accident, all who are involved potentially can receive some payment for whatever physical injuries suffered. Collision coverage is what provides drivers with compensation to repair exterior and interior damage that is a direct result of a crash with other vehicles. Comprehensive coverage is designed to financially protect policyholders from a myriad of possible perils, such as theft, vandalism and loss-causing natural events. For instance, a policy with comprehensive coverage could be employed to pay for repairs in the aftermath of a hail storm.

The Benefits

Good auto insurance can save car owners substantial amounts of money on repairs or on a car replacement due to accidents and other events. This insurance coverage can mitigate or alleviate big medical bills related to car accidents. Options include such things as roadside assistance/towing services and car rental, to name just two. Call your insurance pro today to find out more.