Comprehensive auto insurance is designed to cover the costs of repair, replacement and/or medical expenses if your car gets damaged or destroyed (and if you get hurt yourself) during a collision or any other number of events involving your car. Across the country, the law requires you to purchase liability coverage, which covers the expenses incurred by a third party if you happen to cause an accident. However, there are a variety of additional coverages that you can purchase for added protection.
Collision coverage covers damage or destruction to your car following an accident. Comprehensive coverage also covers your car, but includes many more covered events, such as fire, severe weather, theft, vandalism and collision with large animals.
Medical payments coverage covers medical expenses of necessary treatment that results from an accident.
Perhaps one of the most important coverages, uninsured/underinsured motorist coverage protects you and your car from at-fault drivers who can’t afford to pay the damages you suffer following an accident.
As with all insurance policies, you must pay a deductible upon filing a claim. Everything beyond your deductible can be covered in full, up to policy limits. If a low monthly payment is important to you, it’s recommended that you select the highest deductible you could afford at any given time, which will decrease your premium. There are also several discounts that many insurers offer, such as good driver and senior discounts (ask your agent if you qualify for savings). Your independent agent will shop his or her network of trusted insurers on your behalf to find you quotes for policies that meet your needs, providing you with a valuable resource to consult with questions and concerns.
We make buying coverage simple for our customers. Call Starr Insurance Agency at (512) 586-2000 for more information on Austin auto insurance.