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It also provides coverage if you or relatives who live with you are injured as a pedestrian. Property damage liabilityIf you or someone you insure is at fault in a collision that damages someone else’s property, such as a vehicle or building, this coverage pays for repairs and protects you from lawsuits. Uninsured collisionIf you don’t have collision coverage, this coverage pays for repairs to your car or the cash value of your car whichever is less up to $3,500 if it’s damaged by an uninsured motorist. Uninsured/underinsured motorist – bodily injuryThis coverage pays for bodily injury damages if you’re injured by an uninsured or underinsured driver and they’re at fault. Uninsured/underinsured motorist – property damageThis coverage pays for damage to your property that results from an accident caused by an uninsured or underinsured driver. A deductible may apply if the vehicle owner/driver cannot be identified or if the accident is a hit and run.

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01.14.2007 | 34 Comments

You wouldn’t want to be caught in hailstorm and not have comprehensive insurance!For more information on what is collision insurance, what is comprehensive insurance, and how much you might need, talk to one of our friendly agents today. So the 60 months that seemed like forever are finally up and your car is finally paid off. Yes, you own your own vehicle and you start imagining all the money you’re going to save now that you’re no longer obligated to the ball and chain of your car payment. What’s the next step?After you jump for joy and do a celebratory victory dance, your next step should be shopping around for auto insurance quotes to reduce your rate and save money by dropping coverage you no longer need. Understanding the dynamics that come into play after a car is paid off can assist you in finding reasonably priced auto insurance for your paid off vehicle, while maintaining the right amount of coverage that you’ll need. One of the requirements when purchasing a vehicle through a finance company is to maintain comprehensive and collision coverage. Once your loan is paid off, you will no longer be legally responsible to carry this coverage, which in turn may reduce your rates and save you money, but you should not just drop the entire coverage completely without some careful thought and consideration. Comprehensive and collision insurance includes a wide array of coverage including vehicle damage during accidents and vehicle theft. Therefore, this coverage should only be dropped once one has taken time to evaluate its necessity to his/her own situation. You must understand that once you have paid off your car, and its value decreases. Even though you may consider dropping this coverage to save money on premiums, you should take into consideration whether or not the savings would be enough to offset the risk of having to pay the entire cost of repairing or replacing the vehicle .

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01.14.2007 | 16 Comments

In some states you must purchase Personal Injury Protection which covers medical bills, time lost at work, and many other things. You can also purchase insurance if the other driver does not have insurance or is under insured. Most if not all states require drivers to carry mandatory liability insurance coverage to ensure that their drivers can cover the cost of damage to other people or property in the event of an accident. Some states, such as Wisconsin, have more flexible "proof of financial responsibility" requirements. An example of property damage is where an insured driver or 1st party drives into a telephone pole and damages the pole; liability coverage pays for the damage to the pole. In this example, the drivers insured may also become liable for other expenses related to damaging the telephone pole, such as loss of service claims by the telephone company, depending on the jurisdiction.