Questions to Ask Before Purchasing Your Auto Insurance Policy
Car insurance is a legal requirement in nearly every state. However, knowing what kind of policy you need and the limits you should select can be quite difficult. Purchasing the right policy for you requires asking some important questions. If you are unsure or overwhelmed about what type of auto policy or the types of coverage you need, here are some questions to consider before making your purchase.
In the event that you were involved in an accident with another driver who did not carry auto insurance or did not have enough auto insurance, would you have enough money to pay for the repairs your car needed on your own?
Even a simple accident, such as being rear-ended, with an uninsured or underinsured driver, can be a problem. Consider that there will be damage to your bumper, your tail lights, and your trunk. Would you have enough money to be able to pay for the repairs yourself? If the answer is no or that you are not sure, you will likely want to consider uninsured/underinsured motorist coverage on your car insurance policy to protect yourself financially. Laws regarding this coverage vary from one state to the next and some states even require it.
What is the age of your car?
If you have a newer car, you likely consider it to be an investment you have worked hard to attain. Cars that are not several years old are usually worth more as well. In these cases, you will want to seriously consider adding comprehensive and collision coverage to your auto policy. These types of coverage will help you get your car replaced or repaired in the event of an accident, theft, vandalism, fire, or even an adverse weather event. Comprehensive and collision coverage help to protect your investment.
Do you have children that drive?
In most cases, if you have a teen with a driver’s permit, he or she will automatically be included on your auto insurance policy. Although, once they get closer to obtaining their driver’s license, you will need to think about adding them to your auto insurance policy or getting them a policy of their own. Each insured driver will need to meet the minimum requirements in your state for car insurance.
Can you deal with any roadside emergencies you may encounter?
Having your car break down in the middle of a busy interstate or having a flat tire on your commute home can be more than just inconvenient. If you stress over dealing with a dead battery or other car-related emergencies, you will want to consider an auto policy with roadside assistance coverage. A roadside assistance program can get you back on the road sooner and may also provide additional services, such as gas delivery, help if you are locked out of your vehicle, and emergency towing.
If you were involved in a serious accident, could you pay for thousands of dollars in medical expenses?
Depending on your accident, medical bills can add up quickly. You may be looking at several weeks or even months in the hospital, as well as time off of work without being paid your normal wages. You would not only be left to pay for these medical bills, but your normal expenses, such as your mortgage, groceries, and utilities, would still be waiting for you. If you have children, you may also need help caring for them or help completing simple tasks like cooking meals and cleaning house. If you fear you would not be able to easily handle these types of expenses, you will want to make sure you purchase MedPay, also known as medical payments, on your auto insurance policy.
Do you require SR22 insurance?
Depending on your driving history, you may be required to purchase SR22 insurance. This type of insurance is generally required if you have a DUI or were caught driving without the required amounts of car insurance in your state. If you are one of these drivers, call 866.822.7755 today to get a quote and more information on SR22 insurance.