Understanding Auto Coverage
Your auto insurance coverage comes in 2 parts, the coverages required by law, and optional coverages that are sensible.
The required coverage, often referred to as Statutory coverage, is Liability Insurance. Liability coverage provides protection in the event that you cause an injury or property damage to another person while driving your car. This coverage is for the other driver and their car. Liability coverage also provides protection in the event you are injured in an accident, and the other driver does not have the required coverage. This type of coverage is called Uninsured/Underinsured coverage.
Though not required by law, there are additional coverages that are important for your car. Collision coverage pays to repair your car should it be damaged, and Comprehensive is the coverage that pays if your car is stolen, or damaged when it is not being driven. Finally, we recommend coverage that covers medical expenses you may incur in an accident, this kind of coverage could also replace income if you are unable to work. This coverage comes in 2 types Medical Payments and Basic Reparations Benefit.
Car Accident, Now What?
Car Accident, Now What?
Even the best drivers occasionally have an accident. If you are one of the unfortunate one’s that do, here are some steps to follow to make sure that all goes smoothly.
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At Fault, What it Means?
At Fault, What it Means?
If you are unfortunate and happen to be involved in an automobile accident, the first step is to determine responsibility.
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Distracted Driving
Distracted Driving
Being a safe driver begins with defensive driving, and that requires a heightened level of focus to a wide number of distractions that surround your driving.
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Tips for Changing a Flat Tire
Tips for Changing a Flat Tire
So you have a flat, here is what to do! First move the car to a safe place where you are not in traffic. Even if you further damage the tire, get out of traffic and to safety.
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Why Does Driving Cost So Much?
Why Does Driving Cost So Much?
As a new driver, insurance companies recognize inexperience. Insurance premiums are all about data, which you should understand.
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Resources and Tips
Resources and Tips
Your auto insurance coverage comes in 2 parts, the coverages required by law, and optional coverage that are sensible.
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The Shepard Team
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