Family Auto Insurance
If you own a vehicle and are a law-abiding person, you most likely have auto insurance. And, even though car insurance is one of the most popular kinds of insurance available, many individuals are confused about who this insurance covers.
But don't let car insurance overwhelm you. Here are the essential concepts to grasp when it comes to car insurance and who it protects.
What Is Car Insurance?
Car insurance is a contract in which you agree to pay premiums in exchange for financial protection if your car is involved in an accident or suffers other damage.
Whether you own or drive a company vehicle, vehicle damage is something that auto insurance may cover. It also covers accidental property damage, medical costs, and burial expenses incurred due to an accident's injuries.
The terms of what is covered are determined by your state's minimum coverage standards and any extra coverage choices you want to include.
How Auto Insurance Works
The insurance provider promises to cover your damages as specified in your policy in return for a premium. Policies are priced separately, allowing you to tailor coverage levels to your specific requirements and budget.
Policy periods are typically six or twelve months in length and are renewable. Of course, an insurer will notify the customer when it is time to renew a policy and pay another premium.
Who Does Auto Insurance Coverage Protect?
A vehicle insurance coverage will protect you and any family members on the policy, whether driving your car or someone else's. Your insurance also covers someone not on your policy but is driving your vehicle with your permission.
Personal auto insurance solely covers driving for personal purposes. It will not protect you if you use your vehicle for business reasons, such as doing deliveries. It will also not protect you if you use your car to work for ride-sharing services.
Some car insurers now provide supplementary insurance policies that expand coverage for ride-sharing services at an extra fee.
Indeed, having health and home insurance are essentials. However, if you have a car, having car insurance is also considered essential.
One thing is for sure, having insurance coverage may save you a lot of money and frustration in the future.
At Family Auto Insurance Agency, we do our best to ensure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (313) 285-9042 or Click Here to request a free quote.
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Family Auto Insurance Agency
6442 Michigan Ave
Detroit, MI 48210
Lincoln Park Office:
3205 Dix Hwy
Lincoln Park, MI 48146
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