Motorists should educate themselves about auto insurance. Most states require drivers to buy certain coverage. Further, the motorist should make sure they are protected. First, liability insurance is mandatory in most places. Further, there are usually mandatory limits on coverage. Liability kicks in if the owner is at fault in a collision. The coverage pays for repairing property damage. Likewise, it covers medical bills for injured persons. Experts recommend carrying more than minimum policy limits. That is because the policyholder is personally responsible for damages above the limit.
It is best to consult with an automobile insurance agent in Nassau County NY. Go online and browse our website to learn more. Insurance agents listen to each customer’s needs. In turn, they recommend the best auto policy. Next, collision coverage pays for damage to the policy holder’s car. Sometimes, the damage is so bad the car is totaled. Adjusters total the car if repair costs exceed the vehicle’s worth. In this case, collision pays the value of the vehicle. Drivers with cars that have a lien-holder must carry collision. Collision is not recommended for motorists that own older cars. The premiums may be more than the value of the car.
Lien-holders also require drivers to have comprehensive coverage. Comprehensive covers things that are unrelated to an accident. Examples include stolen cars and weather-related damage. This coverage is pricey but certain things make it cheaper. For instance, anti-theft devices and gps locators bring the price down. If the policy holder has health insurance, medical payment coverage may be unnecessary. Medical payment coverage pays for medical bills related to an accident. In addition, it pays for the driver and passengers. One advantage of medical payment coverage is the carrier will not subrogate. Health insurance companies often try and recover from settlements.
An Automobile Insurance Agent in Nassau County NY may recommend uninsured motorists coverage. The coverage pays damages if the at-fault driver does not have insurance. On the other hand, it acts as under-insured coverage. The coverage pays for medical bills and property damage that exceed the policy limits. Everyone should have this coverage. That is because the policy holder is paying to protect themselves.
