Desmond Insurance Blog
Auto insurance is a requirement in many states to protect drivers from accidents and cover reparations involving the car. Even businesses that use vehicles should have commercial auto insurance. However, applicable laws are different when it comes to car insurance.
Most car insurance policies are priced according to the budget and references of the policyholder. Getting auto insurance saves the parties involved from financial expenses.
Auto Insurance Coverages
The car insurance policy also covers the vehicle owner and dependents whether the car is consented by the owner to be used by someone else. However, if the vehicle is used for commercial purposes, then that is an entirely different policy. Auto insurance only covers the vehicle being used for personal purposes. There are three basic coverages that auto insurance policy provides, which are listed below:
Other coverages to look at:
Personal Injury Protection (PIP)
PIP is exclusively for car owners who might get into accidents. This coverage will assist in paying for the deductibles of health insurance (if it is present) and medical costs. It also covers funeral expenses.
This coverage protects the car owner if another driver without insurance has hit him/her. It will also shoulder medical bills and damages to the vehicle.
New vehicle owners should get auto insurance right after buying their first car because it will safeguard their purchase from financial dangers. It is frustrating to have accepted something new just to be damaged right away. Cars are always vulnerable to road accidents because someone can be a reckless driver or has terrible driving.
At Desmond Insurance, we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays and we’re here to help you out. Learn more about our products and services by calling our agency at (859) 491-5100. You can also request a free quote by CLICKING HERE.