What You Need to Know About Antique Auto Insurance It’s time to start thinking about getting your classic car ready to hit the road. Just
From antique cars to ATVs, we work with our trusted carriers to keep you covered on the road or on the trail. We are a team who understands auto insurance is more than just a way to insure your ride, it’s the peace of mind and safety that it provides you and your family. With decades of experience, we pride ourselves in our detailed understanding of our clients’ situations, needs, and aspirations. Contact your local office to speak with an agent to discuss coverage options for you.
Liability coverage is insurance that aids you financially for legal and medical fees in the event that you are to be held responsible for causing bodily damage to someone else or their property. Liability coverage is critical, and legally it is a must have for being on the road. In fact, most U.S. states require all drivers to have road liability insurance to drive. Not only does liability coverage protect others but it provides the peace of mind that you, your family, and others will be protected while on the road.
An accident can be stressful enough, let alone discovering later that the individual involved in the accident is either uninsured and their nonexistent insurance cannot pay at all, or underinsured, where the individual’s liability limits aren’t enough to cover all the damages. Having uninsured or underinsured motorist coverage gives you the reassurance that when it comes to an accident we’re here to help.
Collision coverage insurance is exactly what it sounds like, coverage for when an accident with another vehicle occurs. Collision is important to have, it helps cover the costs of repairs and possibly even cover the cost of replacing your vehicle. One forgotten fact is that it in the event of a vehicle-on-vehicle accident collision insurance may cover costs regardless of who is at fault for the accident.
When it comes to comprehensive insurance some of the main factors that differentiate it from collision is that collision typically covers vehicle-to-vehicle accidents, while in addition comprehensive also deals with vandalism, theft, hail, fire, and accidents with animals.
Gap coverage is a great way to protect yourself when you’re in an accident and need to cover a new vehicle that is not fully paid off. Everyone knows as soon as you drive off the dealership lot that depreciation on your ride begins, gap insurance can help cover the gap between what is owed from a total loss or theft and the depreciated value of the vehicle.
In an accident the events can occur very quickly, but what comes after? Depending on the severity of the accident you might require some type of assistance, for example needing a tow to the shop to get repairs. With towing and labor coverage you can get help paying for some of these bills that come after a fender bender. Towing and labor coverage doesn’t just help with the costs of an towing your vehicle after an accident, it may help pay for the labor due to a flat tire, lockout assistance, gas delivery, and jump starts.
As an independent insurance broker, we represent many major national carriers.
It can be difficult to know where to start when it comes to protecting your ride. You need more than a cookie cutter solution. We can provide creative solutions for a variety of situations. Contact your local office today for coverage options and premium comparisons.