The Relevance of Auto Insurance This 2020

​Although the lockdown has ceased economic activity, vehicle usage is still an important part of modern society. Accidents, although preventable, should be planned for by car owners, to avoid unnecessarily high bills. Auto insurance, therefore,  is a crucial investment to make, even amidst the crisis that is currently sweeping the whole world.

Basics of Auto Insurance
Car insurance is of huge importance to owners who want to be prepared for unfortunate accidents. There are a variety of risks involved in driving a private vehicle and this policy helps to ease that burden.

1. Auto insurance pays for legal liabilities in cases of damages to property while using the vehicle. Injuries and damages to other vehicles in a collision are also covered.
2. Medical expenses for injuries and even funeral expenses are also included in the policy.
3. In the case that the car is stolen or damaged, auto insurance can pay for the financial losses incurred.

Specific Benefits
The knowledge of insurance benefits will help the client make a more informed decision for customizing and renewing coverages. This allows an informed decision to be made before, and even after the purchase ensuring tailored policies for the holder.

1. Coverages are limited to personal errands and not commercial activities like delivery, ride-on services, etc.
2. The policyholder is the one who is insured, regardless of whether they own the car that they are driving.
3. Immediate family members of the holder are also beneficiaries, as long as they are declared.
4. Those with the authorization of the holder to drive the insured car are also covered.

Additional Coverages
There are extended coverages that could be obtained for broader protection of the policyholder and the beneficiaries. These can be added with a minimal increase in the premium being paid.

1. Uninsured motorist coverage pays for damages done on the client by an uninsured motorist. This could also cover damages in case of a hit-and-run accident.
2. Comprehensive coverage pays for specified damages, varying per policy, that is not caused by a collision.
3. Glass coverage pays for damage on the windshield and even other glass parts of the vehicle.

Conclusion
Safety despite the crisis should still be a priority and investing in car insurance is one way. Getting this type of insurance is considered an urgent responsibility for one cannot predict when accidents will occur.

At Family Auto Insurance Agency, Inc., we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (313) 285-9042. Get your free quote today by CLICKING HERE.