An auto insurance policy protects you financially in the event of an accident by guaranteeing that the insurance company will compensate you according to the terms of your policy, which is a legal agreement between you and the insurance company. Let McCall Insurance assist you in finding the correct vehicle insurance policy today!
As a local, independent insurance agency, we can help you find the right policy for your car by comparing quotes and coverage options from many top providers.
Bodily Injury Liability Insurance
Having “Bodily Injury Protection” on your automobile policy is one of the most significant coverage choices available. From a practical perspective, you should have it, even though it is not always technically required. It's important to keep in mind that driving can cause serious consequences to others if you cause a crash or kill someone. Even if you or your family members residing with you drive someone else's vehicle, you might be held accountable for injuries or fatalities. This policy also covers those who drive your car with your consent. By not purchasing this type of insurance, you may be subject to hefty lawsuit damages, which has a highly litigious legal system.
Financing a Car?
To finance a car, it is usually necessary to have insurance that covers damage to your vehicle. This includes:
Collision insurance coverage pays for damage caused to your vehicle in an automobile accident. Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage usually includes an insurance deductible. It’s the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you’re willing to pay, the less the collision coverage will cost.
COMPREHENSIVE INSURANCE (OTHER THAN COLLISION)
Comprehensive insurance covers damage done to your car in some way other than a collision, such as if it were stolen or vandalized. Flood, hurricane, theft, windshield damage and fire are also events usually covered by comprehensive car insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible.) And although it’s not legally required by any state, you will probably need it if your car is financed.
Through our years of experience we can prove time and time again that there is no substitute for having an agent to guide you. Price is part of the issue, not the entire issue. We will quote you prices from other companies, AND we will SELL you those other companies. Talk to us about the unique features of our auto plans. Don't let the bitterness of poor coverage and service be the result of cheap coverage.
Submit our online quote form or call us today!