The odds are good that the more miles you drive your car in and around Alliance, Boardman, Canfield, Columbiana, Lisbon, Salem, or the surrounding areas, the more likely it is that you will be involved in some form of accident. Before that happens, you want to ensure that you have the right auto insurance coverages, and the team at Beltempo Insurance will help you get the right insurance at the right price. We are an independent insurance agency which means that we can shop the market for you to get you exactly what you need for an affordable price. Contact us today to schedule a time to review your current coverages.
What Kinds of Coverage Do You Need For Auto Insurance
In most states, there are established minimums that you need to have for vehicle insurance coverages. However, while these do cover some important items, there are other aspects of insurance that you should also consider having as part of a comprehensive auto insurance policy. Liability insurance is one of the universal coverages that is required in most states. This covers payments for other people’s expenses in an accident that you cause.
Collision coverage covers your vehicle regardless of who caused the accident. Comprehensive coverage covers your vehicle for incidents other than an accident. Then there are additional coverages such as personal injury protection, medical payments, as well as underinsured/uninsured motorist. Again, depending on the state you live in, one or more of these may be required as well. But these aren’t the only options available for auto insurance.
Other Kinds of Auto Insurance Coverages
The whole point of having insurance is to deal with a catastrophic loss that would be hard to handle in a normal situation. Financially speaking, if you total your car and still have a loan on it, it is likely that what you get in payment for what the car was worth at the time of the accident will be less than what you still owe on it. In these cases, gap insurance is there to cover this difference in loan to current value.
Another insurance option that isn’t strictly auto insurance but can still be valuable is umbrella insurance. Your auto insurance coverage only goes up so far as to what it will cover. If you are sued for more than this, any amount beyond that coverage is your responsibility, and that could be hundreds of thousands of dollars. Umbrella insurance helps to provide additional financial protection in these cases.
No matter what vehicles you own and drive in Alliance, Boardman, Canfield, Columbiana, Lisbon, Salem, or the surrounding areas, the team from Beltempo Insurance can help get you the coverage you need. Contact us today to learn more.