In most states, driving without car insurance is not only illegal but foolish. Insurance protects you, your passenger and others that you may encounter on the roadway in the event of an automobile accident. In some instances, car insurance provides protection if your vehicle is damaged by fire or stolen. Of course this depends on the type of coverage your policy provides. That is why it is crucial that you understand exactly what protection, and the extent of it, before acquiring car insurance. Car Insurance Brighton can help you make an informed decision.
Many people assume that because they have automobile insurance coverage, their concerns in the event of an accident are unfounded. They erroneously believe that they are completely protected against the potential for financial burden because their insurance will cover any medical expenses, property damage or vehicle repair or replacement. This is not necessarily true. There are limits to what will be paid and if you do not have adequate coverage and the costs exceed it, you will be personally responsible. This is why it is sometimes not wise to go with the cheapest or minimal coverage policy.
All policies cover bodily injury but some provide coverage as low as $ 20,000 for bodily injury per person with a $ 40,000 coverage per accident and a $10,000 property damage limit. This may sound adequate but in reality, is it? Consider the possibility of one injury or multiple in a single accident. One accident could realistically have lifelong ramifications on your financial status if costs exceed your coverage. With adequate insurance, this may not happen. As a consumer, you need to understand and make appropriate choices in regard to bodily injury liability, property damage liability, Medical payments and Personal Injury Protection. Do you need extra coverage like collision, comprehensive or roadside assistance? You can rely on car insurance in Brighton to assist you in making these crucial decisions. They are a full service, quality insurance company with expertise and extensive experience.
Insurance prices vary quite a bit but there are ways to lower your payment rather without sacrificing adequate coverage. Possibilities include: a review of your car safety features, anti-theft devices, pay in full or driver safety training credit. Car insurance Brighton can advise you of what is available to you in discounts. Bundling multiple policies such as home with auto, or renters insurance may enable substantial savings as well.