Talk To Your Insurance Agency About Vehicle Coverage

When you need to insure your car, it is important to find out if you are getting proper coverage. A good insurance agency will make sure all customers have the right kind of policy. Consider a few of the reasons that you should double check with your agent that you have sufficient coverage.

The first detail to check is whether you have enough coverage in case you damage another driver's car. You probably have at least the state minimum liability amount, but in some cases, this is not enough. Your insurance agency should explain that during many accidents, drivers are held personally liable for any expenses that go beyond what they are covered for. In many cases, the minimum amount is just enough to cover a moderately priced vehicle and medical bills for one or two people. But when the car you hit is an expensive model, or full of people who are all injured, the money may have to come out of your pocket. This is why many agents may advise you to increase the amount of your liability portion.

Of course, you also want your vehicle to be covered in an accident. You need to be able to replace it completely, or at least get it fixed. If you are not sure if your policy is sufficient, you can always get some quotes from auto body shops near you to find out what body damage usually costs to fix. You should also find out what your exact model costs so you know that you can easily get it replaced if it is totaled. It is also the job of your insurance agency to make sure that you are covered, which should include the medical costs portion of the policy.

Finally, find out what exactly is covered when it comes to your car either being stolen or broken into. You need to make sure you can buy a new one if someone steals it. However, you need to also find out if everything in it is covered by your policy. For example, if you have a nice stereo, and often leave a laptop and cell phone inside the vehicle, too, you should make sure you can get compensated for these items if they are eve taken from you. Of course, your insurance agency will probably persuade you to avoid keeping expensive items inside the vehicle, or will at least tell you to keep them out of view, but you also deserve to know if they will be paid for if anything were to happen.

A reputable insurance agency will make sure you are kept informed, especially if your policy needs to be improved. Your agent should let you know if you have enough coverage to pay for damage to your vehicle, another driver's auto, and any medical bills or replacements that need to be paid for. Otherwise, you will be held liable, and if you do not have the money upfront, your house and any other assets could be taken in court.