Auto Insurance2021-07-05T05:07:47-04:00

AUTO INSURANCE

Auto insurance is a contract you purchase, where by the insuring agency pays for some portion of property, liability and/or medical expenses incurred from some calamity occurring during use of your vehicle. What and whom is covered is determined by the type of policy you obtain. If you have automobile insurance and an accident occurs, your insurance doesn’t necessarily pay to have your car fixed or replaced. The industry terms within your policy dictate how much you will get paid. For example, the following terms will all offer different payouts: liability coverage, collision coverage, actual cash value, agreed value, comprehensive coverage, under-insured and uninsured coverage. The best way to navigate the fine print of your policy is with an experienced agent who has your best interest in mind. At Daigle & Travers, we pride ourselves on being those kinds of agents.

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FAQs

How much should I be paying for auto insurance?2021-07-05T05:03:35-04:00

How much someone should pay for auto insurance is a common question.  There really is not a simple answer as there are so many factors that determine the price.  Driving history, claims, tickets, the area that you reside in, homeownership status, education level, credit, vehicle type, age, and usage of your vehicles all are parts of the rating formula.  However, quite simply, the better your driving history the lower you will pay for insurance.  Every company rates differently on a number of these variables, and while price is important and commonly the main factor in why someone chooses an insurance carrier, it should not be the sole factor.  We try and offer coverage first, which is providing the consumer with the proper coverage that fits their needs, and then compare pricing from the different carriers we represent to help the client make an informed decision. 

How much uninsured motorist coverage do I need?2021-07-05T03:36:49-04:00

Uninsured/Underinsured Motorist Coverage is often the most overlooked component of an auto insurance policy.  While liability coverage limits often get scrutinized more, UM/UIM is coverage that provides protection for you(the policyholder) and your family.  In the event of an accident with an underinsured driver, underinsured driver, or a hit and run, having the proper limit can provide you and your family with the proper coverage for your injuries sustained.  We recommend carrying a limit equal to your Bodily Injury Liability limit or greater, and at a minimum $250,000/$500,000.

What is collision coverage?2021-07-05T05:02:28-04:00

Collision coverage has a deductible that you set on an automobile insurance policy typically $500 or $1,000  that you first pay out of pocket when you are at fault for an automobile accident or your vehicle is damaged by a third party and it is a hit and run, and covers the cost to repair your vehicle minus your deductible.

What is liability coverage?2021-07-05T05:43:49-04:00

Auto liability coverage can be purchased with either split limits or combined single limits and includes coverage for the below in the event of an automobile accident:

Split limits have a cap on limit while combined single limits gives you a total lump sum in the event of an accident.

Bodily injury per person/bodily injury per accident/ property damage coverage (damage to someone else’s property including vehicle)

For the party you injure bodily injury can cover medical costs, funeral costs, pain and suffering for an injured individual, and your defense costs if you are sued for the accident.

Property damage will cover the damage you cause to someone else’s property (can be a vehicle, or property such as a fence, gate, or building)

For a free quote for your business or personal insurance, send us a message or call us at (203) 655-6974

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