Auto insurance questions to ask your agent.
Many drivers are unfamiliar with the world of auto insurance. This is why it’s so important to partner with an experienced insurance agent that you can trust. To ensure that you are making informed car coverage decisions, here are some of the top questions to ask your agent.
Are state insurance minimums enough?
Almost every state in the U.S. requires drivers to carry some minimum amount of liability coverage. However, simply meeting these insurance minimums is not enough to protect you from all the risks that you face. Typically, auto insurance providers will advise drivers to carry the following coverages:
- Bodily injury liability
- Property damage liability
- Collision
- Comprehensive
- Uninsured/underinsured motorist
- Personal injury
Does my policy cover my whole family?
Before signing off on an auto policy, it’s important to make sure that it extends coverage to the drivers in your household. If you have a family, then it’s important to make sure that your spouse and children are covered under the policy. While adding covered drivers to the policy will raise your rates, this is significantly cheaper than having multiple car insurance policies.
How do I file a claim?
If you’ve been in an accident or your car sustains damage during a non-collision event, then filing a claim as soon as possible is your best bet for getting all the coverage that you need. This is why you should know how to file a claim beforehand. When you understand the claims process, you can save time if you do ever experience a claims event.
These are some of the important auto insurance questions to ask your agent. Need help with your car coverage? If so, then contact the experts at Gant Insurance Agency. Our dedicated team is eager to assist you with all your auto insurance needs today.