Auto insurance is a financial cover that protects you for repairs, medical bills and legal services that you may face in the event of an accident. Beyond the legal requirement, automobile owners enjoy peace of mind when they know that they are financially covered in case the worst happens.
Dryden-Kamis Insurance Agency provides policies that meet the minimum state mandatory automobile insurance laws, as well as policies that cover most other situations you may, uh, run into. The independent insurance agents at Dryden-Kamis will be happy to sit down with you and review your needs and pair you with the policy that will also meet your budget.
The state requires that every policy must meet minimum liability coverage in case of an accident involving injury or death. However, should the accident result in severe injury, it is possible that you would be liable to pay the injured party anything over the bare minimum. It is a very good idea to have higher liability coverage in case of a more serious accident. Talk to your agent about sufficient liability coverage that will protect your personal possessions and savings in case of a high dollar claim.
If you have a loan for your vehicle, it is likely the lienholder will require you include collision on your insurance. In case of an accident resulting in damage to your vehicle, collision will ensure your vehicle is repaired and remains safe to drive.
This provides protection when no other party is involved. Examples include damage caused by hail, theft, vandalism or fire. You will be covered while driving if you hit a large animal, run off the road into water, or have your windshield cracked by a rock falling off a passing truck. Comprehensive guarantees that your insurance company will help you get your car to the shop, begin repairs and even reserve a rental vehicle without waiting. It is usually a very inexpensive add-on to your auto insurance, but you are likely to be glad (or wishing that) you had it. Set your deductible payment to one that works with your budget.
If your teenager just earned their license, it is important to protect your assets from the increased possibility of damage to your automobile or another vehicle. Youthful driver protection will help to cover unexpected expenses while the new driver is still learning the ropes. Give Dryden-Kamis Insurance Agency a call to discuss your automobile insurance needs today.
*(Intelli-drive: Travelers – Snap Shot: Progressive)
**(Anti-theft discount can be applied even if you just simply have your automobile’s VIN# etched on the windows)