TOP Insurance agents work with you to find out what coverage you need, suggests ways to save money, and offers the right coverage to protect you from liability claims against your earnings and assets. Then, we do something that the major carriers DO NOT do. We search among the many carriers for the best plan at the best price for you.
There is a lot to know about auto insurance to fully understand what you’re paying for. The following information provides a quick education to help you navigate the twists, turns and choices involved in buying auto insurance.
Liability : Coverage pays for injuries you cause to other people and damage you cause to another people’s property when you are at fault in an automobile accident.
Uninsured Underinsured Motorist: This coverage pays if you are injured by a person who is completely uninsured or doesn’t have enough liability Insurance to cover your injuries. It also covers you if you are in an accident with a hit-and-run driver.
Medical Payments: Coverage pays medical expenses (up to a specified dollar limit) for you and passengers of your car who are injured in an automobile accident, no matter who is at fault. If you and your passengers have health Insurance, you may not need this coverage.
Collision and Comprehensive: (other than collision) Coverages pay for damage to your automobile. You can purchase either or both coverages for each vehicle you own. If you have an auto loan you may be required to purchase both.
• Collision coverage insures you against damage to your vehicle caused during an accident.
• Comprehensive (other than collision) coverage insures you against all other physical damage to your car caused by such events as fire, theft, flood, and vandalism.
Collision and comprehensive (other than collision) coverage usually includes a deductible, which can range from $100 to $1,000. If your car is damaged, the Insurance company pays only for the damage in excess of the deductible you selected. The higher the deductible, the lower the premium.
Optional or special coverage includes extras such as towing, rental reimbursement, and roadside assistance. None of these coverages are required.
If you have an International license, Passport or Consular ID; Select IT when asked about the state of your license
If you have an International license, Passport or Consular Registration; Select IT when asked about the status of your license