Finding the right auto insurance can be overwhelming. There’s a lot of options out there, but we at Smartlife Insurance are here to help you sort through those options and find you the best fit. Whether its new insurance, lower auto insurance rates or trying to find a new plan; our team at Smartlife can help you find the best insurance rates available. We are dedicated to offering you with the best customer service; guiding you through every auto insurance option available so that you not only save but are fully satisfied with your plan. Listed below is some helpful information concerning your auto insurance plan to help get you started.
Collision coverage insures you against damage to your vehicle caused during an accident.
Comprehensive coverage insures you against all other physical damage done to your vehicle caused by things such as fires, flooding and vandalism.
Collision and Comprehensive
Collision and Comprehensive coverage typically includes a deductible which can range. If damage is done to your vehicle, the insurance company pays only for the damage in excess of the deductible in your plan. The higher the deductible, the lower the premium. Vehicles under a loan are usually required to have both collision and comprehensive coverage.
Liability coverage pays for injuries you cause to other people and damage you cause to other people’s property when you are at fault in an automobile accident.
Medical coverage pays medical expenses up to a specific dollar amount for you and the passengers of your vehicle who are injured in an automobile accident regardless of who is at fault. You may not need this coverage if you and your passengers have medical insurance.
Personal Injury Protection
Personal injury protection coverage pays for things such as rehabilitative expenses, funeral costs, replacement services and loss of income if you are unable to work due to your injury. In some states it is required to have personal injury protection, also known as a No-Fault coverage.
Uninsured and Underinsured Motorist coverage pays if you are injured by a person who is completely uninsured or doesn’t have enough liability insurance to cover the cost of your injuries. It also covers you if you are in an accident with a hit-and-run driver.
Optional coverage, also known as special coverage, includes things such as towing, rental reimbursement, and roadside assistance. Coverage for these types of things are not required.
Know what to look for
Some basic things to consider when purchasing auto insurance is the value of your vehicle, what assets you want to protect, your budget and if you or other insured drivers are considered high risk for accidents. Speaking with a Smartlife representative will aid you in finding the right auto insurance for your specific needs. Call us today!
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