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Auto Insurance

O. Faulkner & Associates > Auto Insurance

Complete Protection For Your Automobile

Auto Insurance

When most consumers think about auto insurance, they tend to concentrate on price rather than coverage and how it can help to prepare for unexpected incidents. Being insured at the right rate for the right risk, can assist consumers by protecting assets, such as, avoiding property liens, seizure of 401k benefits, financial investments, as well as preventing wage garnishments on future earnings. While many drivers are cautious and drive defensively, an accident can happen in the blink of an eye.

Black American Auto Adjuster

What Does Car Insurance Cover?

In order to operate a vehicle in any state, liability coverage, which includes, Bodily Injury and Property Damage is needed to protect the passengers and any property. These coverages cover the other party if you are in an at-fault accident. Additional coverage can be added to the policy at an additional rate in order to broaden your coverage.

  • Automobile Traffic Accidents 2021: $230.6 Billion

  • Average Cost of Accidents : 8.71 Billion per year
  • Critically Injured Person 2021: Up to $1.13M

     

  • The Average cost of auto insurance: $2,148 per year

Key Auto Insurance Coverage

  • Liability Insurance (Bodily Injury & Property Damage): Covers against civil liabilities to third parties, arising from bodily injury or property damage in an at-fault accident.

  • Medical Payments: Covers the payments for medial or funeral expenses of the driver or any passengers at the time of an accident regardless of fault.

     

  • Uninsured Motorist Bodily Injury: Covers the insured for bodily injury incurred by the at-fault party that does not have auto insurance. (Coverage is broadened depending on the state)

     

  • Uninsured Motorist Property Damage: Covers the insured for property damage incurred by the at-fault party that does not have auto insurance coverage. (A deductible may apply)

     

  • Comprehensive: Covers the insured for claims that are outside of colliding with another vehicle or property. (i.e. hail, theft, fire, a fallen tree, etc.) A deductible may apply depending on the policy.

  • Collision: Covers the insured in the event of an at-fault accident. This coverage will cover the repair of the insured’s vehicle that has collided with any object and may be subjected to a deductible that is selected by the insured.

  • Rental Reimbursement: Covers the insured for a rental vehicle while their vehicle is being repaired in the event of an at-fault accident. Coverage amounts depends on the limits selected by the insured.

  • Towing/Roadside Assistance: Coverage that assists the insured whose vehicle is inoperable and leaves the motorist stranded. (Coverage limits depends on the insurance carrier)