Auto Insurance

from Larsen Flynn Insurance, Inc.

Auto Insurance

As a vehicle owner, there are few things more important than your auto insurance. Why? Not only does auto insurance protect your vehicle from things like vandalism, but it also protects you against costly repairs in the case of an accident. In addition, it can help to pay for medical bills if anyone were to be hurt in an accident. Auto insurance provides peace of mind no matter what kind of vehicle you own, or how many family members are driving it.

Whether you’ve been driving for years or have a new driver on the road, auto insurance is important since it allows you to protect not only your car, but the precious cargo inside.

We understand how important it is to have peace of mind in the vehicle department. We offer tons of coverage options to help you create the perfect policy.

There is a lot that’s included in auto insurance — so much in fact, it’s sometimes hard to keep track! The cost of your insurance can fluctuate depending on what kind of vehicle you have, what kind of coverage you’re interested in, and even how many people are on your policy.

But let’s talk more about the insurance itself. It covers three main areas — property, liability, and medical.

The property insurance portion of your coverage ensures that you’re covered in the case that your vehicle is stolen or damaged. With this coverage, you can rest assured that unexpected damage by someone else or theft won’t leave you financially drained.

Liability insurance is the part of your policy that pays for the injury or damage that you cause to someone else or their vehicle. This means that if you, for example, are involved in a fender-bender that’s your fault, or cause damage to someone else’s vehicle, you won’t have to pay completely out of pocket for the damages – rather your insurance company can help cover the cost. It also helps to cover injury costs that you may cause by hurting someone in an accident that was your fault.

The medical portion of your policy is self-explanatory. It helps to cover injuries, rehab, lost wages, or even funeral expenses when you or someone in your vehicle is hurt in an accident. This is extremely beneficial when the unexpected happens.

Your policy covers you and any other drivers that you provide on your policy. Auto insurance agencies will provide a section during application for you to provide any other family members that you want on your vehicle policy. Insurance also covers you when you are driving someone else’s car (with their permission), and it provides coverage for your vehicle if someone else is driving it (with your permission).

Coverage options and requirements vary from state to state, but most states require you to have coverage for bodily injury liability, property damage liability, medical payments, personal injury protection, and uninsured motorist coverage. They are all beneficial to have, even if your state doesn’t require them.

To find your perfect policy, contact us today for a quote!