AUTO
What is an Auto Insurance?
Auto insurance is a type of insurance policy that provides financial protection for drivers and their vehicles. It is designed to cover the cost of damages and injuries that may occur in the event of an accident or theft.
When you purchase an auto insurance policy, you pay a monthly or annual premium. The cost of your policy will depend on several factors, including your driving history, the type of vehicle you drive, and the level of coverage you choose. The higher your coverage limits and deductibles, the higher your premium will be.
The standard auto insurance policy typically includes several types of coverage. Liability coverage is required in most states and covers the cost of damages and injuries you may cause to others in an accident. It includes both bodily injury liability and property damage liability coverage.
Collision coverage will pay to repair or replace your vehicle if it is damaged in a collision, regardless of who is at fault. Comprehensive coverage will cover the cost of damages to your vehicle caused by events such as theft, vandalism, and weather-related incidents. In addition to these standard coverages, auto insurance policies may also offer additional coverage options. For example, you may be able to purchase uninsured or underinsured motorist coverage to protect you in the event that you are in an accident with a driver who is uninsured or has insufficient insurance.
It's important to review your auto insurance policy regularly to make sure you have the coverage you need. If you make changes to your vehicle, such as adding expensive upgrades, you may need to adjust your coverage limits to make sure you are adequately protected.
In summary, auto insurance is an important investment for any driver. It provides financial protection in the event of an accident or theft, and can help cover the cost of damages and injuries. By understanding the coverage options available and reviewing your policy regularly, you can make sure you have the right level of protection for your vehicle and yourself.
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faqs
Frequently Asked Questions
Please contact us if you cannot find an answer to your question.
What is a deductible?
A deductible is an amount that you're responsible for in the event of a loss. This is the amount you pay out-of-pocket, and insurance covers the remainder.
How can I make sure that I have coverage for my valuables?
When speaking with your agent to set up your policy, any valuables (jewelry, art, family collectibles), our agent can review your policy and recommend changes to ensure your valuables have proper coverage.
Do I need to get a new appraisal to renew or change my coverage?
No. You do not need a new home appraisal during the renewal or coverage change process.
Can I keep my carrier?
Yes, In most cases you can keep your carrier, but have The Bedford Group Inc. manage your policy. This is done by transferring you policy.
