A car is a significant financial investment and a valuable asset to get one to work and other necessary activities. It is important for drivers to ask the right questions when purchasing an auto policy to be confident that their auto insurance coverage is adequate.
Do I have enough liability coverage?
This is a critical question to ask your insurance agent. Each state has different requirements for the amount of liability you must carry. However, just because there is a legal limit in place does not mean it is enough protection in the event of a claim. Speak with your agent at Perry Insurance Agency about required limits in the Vernal, UT area to determine an appropriate limit.
Does the policy provide collision coverage for your car?
Many car owners assume that an auto insurance policy will pay for the cost of their vehicle being repaired in the event of an accident. Many policies only pay to fix the other party’s car. If you want to have coverage for your vehicle, speak with your agent about collision coverage.
What happens if I am in an accident with an uninsured motorist?
Unfortunately, there are just too many drivers out there who drive with no insurance or a policy that has less than adequate limits. It is critical to find out how your policy would respond in the event you are in an accident with an uninsured motorist. Ask your agent about an underinsured/uninsured auto policy.
What is the claims process?
In the event of an accident, the last thing you need to be dealing with is trying to navigate a complicated claims process. You will want to make sure your insurer has a convenient way to file a claim. Also, you will want to understand the level of support being provided such as a 24-hour customer service support line.
If you would like to learn more about auto insurance, please reach out to us at Perry Insurance Agency. We proudly serve the Vernal, UT area and over 24 other states.