Having the right car insurance isn’t just a legal requirement in Brighton, South Lyon, Howell, Pinckney, Ann Arbor, and the surrounding areas, but it shields the driver and others from unexpected bumps on the road. At Follmer Insurance Services we can help you to not only get the right insurance for your needs but to also help you understand the essential aspects of the car insurance policy. Your car insurance is made up of several portions, each one dealing with a specific situation, yet working together to provide you with a comprehensive package of protections. Contact our team today to schedule a time to review your current car insurance to make sure you have the best policy for your situation.
Details for Important Sections of Car Insurance
Liability coverage covers bodily injury and property damage that you may cause to others in an accident. It ensures that you are financially protected if you are deemed at fault in a collision, helping to pay for medical expenses, legal fees, and property repairs for the other party. Whether it’s a fender bender or a more serious accident, collision coverage helps pay for the repairs to your car, minus the deductible. Collision coverage is highly recommended, especially for new or expensive vehicles.
Comprehensive coverage extends your protection to non-collision events such as theft, vandalism, natural disasters, or animal collisions. It provides a safety net for unpredictable incidents that could otherwise leave you with significant financial burdens. If you are involved in an accident with a driver who lacks insurance or has insufficient coverage, the uninsured/underinsured aspect of your policy ensures that your medical bills and property damage expenses are covered.
Knowing What Can Influence Your Premiums
We all agree that having the right car insurance in place will provide you with important protections so that you don’t have large bills to pay, whether for auto repairs, medical bills, and more. But having this full coverage doesn’t mean that you need to pay a huge premium to get it. Your deductible is one mechanism that you have control over that also affects your premiums. As your deductible goes up your premium will go down. Talk with our team about all of the options available that can affect your premium amounts.
While having car insurance in place is a requirement when owning a vehicle, the coverage amounts can vary a lot and some portions are optional to have as part of your policy in Brighton, South Lyon, Howell, Pinckney, Ann Arbor, and the surrounding areas. This is why it is important to talk with our independent insurance agents at Follmer Insurance Services so that you understand what the car insurance looks like for you and your situation.
