Car Totaled by Insurance Company? Now What?

Whether you’re looking for an auto insurance quote in Apple Valley or in any other area of the country, one thing remains true – most people simply wish they could go without car insurance altogether. It’s viewed as confusing and, for many, is an expense they would rather forego.

There are, however, a number of great reasons to have car insurance and they extend far beyond simply buying it because the state says you have to. The following are 5 ways every driver can possibly benefit from owning a car insurance policy.

5. Roadside Assistance

When you are obtaining an auto insurance quote in Apple Valley, or anywhere else, ask the agent involved if the policy includes roadside assistance. Many companies are now including coverage to help you if you have a flat tire, if the battery dies, or if you need to be towed. In the past, car insurance companies would only give this type of towing coverage to someone who had been in an accident but now you can forgo the extra roadside assistance plan and just stick with your car insurance – saving you some cash.

4. Financial Security

If you’re in an accident, the Personal Injury Protection options you have chosen will pay for more than your doctor’s bills. You can potentially earn reimbursement for lost wages and household expenses that you need help with while out of work because of the accident as well.

3. Personal Property Damage

Ask the agent working on your insurance quote in Apple Valley if the carrier you are working with offers coverage for the personal property in your vehicle at the time of an accident. This coverage could apply to luggage, clothing, or any other personal items that are damaged during the event.

2. Pedestrian Coverage

What will you do if you’re ever hit by a car while walking? Your car insurance policy will pick up your medical bills for that type of “car accident” as well. After all, you were involved in an accident with a motor vehicle, even if you weren’t in your own at the time.

1.Protection against Uninsured Drivers

Even the most basic car insurance policy provides coverage against underinsured or uninsured drivers. If the other driver is at fault but does not have insurance limits high enough to pay your medical bills, your underinsured motorist coverage will pick up the tab. Likewise, if the other driver has no insurance at all, the uninsured motorist coverage will pick up.