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Are you looking for a car insurance policy to suit your needs? If so, you have come to the right place at K&N Insurance Brokerage. After thoroughly understanding your needs, we can recommend the most appropriate coverage for you.
What Does Car Insurance Mean?
As a car Insurance policyholder, you enter into a contractual agreement, known as auto insurance, by paying regular premiums. In return, the insurance company pays for your losses in case of an accident. Basic coverage takes care of liability, while you can opt for additional coverage for property, collision, medical bills, and more. Basic car insurance is mandatory for drivers and car owners in most states.
Why Is Car Insurance Important?
As a driver or car owner, you may not be able to eliminate the risk of accidents or control the actions of others, but you can reduce the chances of them happening. In a compromising situation, whether you are fully or partially at fault, you may not have the financial means to pay for damages, medical bills, and more. A car insurance policy can protect you financially in such situations and also in case of damages caused by falling objects, fire, or theft. This is why having car insurance is crucial for any driver or car owner.
This primary insurance type covers your vehicle if you collide with something. For example, this covers collisions with other cars and if you were to run into a wall, barrier, or bridge.
This covers anything that may happen to your car that is not directly related to a collision. For example, this would include theft, fire, deer hitting, or vandalism.
This is also called PIP in some states. Medical payments pay for any injuries to the driver or passengers that occur if an accident occurred while you were driving. Medical payment insurance varies from state to state, so ensure you are covered as expected.
This type of coverage covers the damages when you are at fault in an accident and damage someone else’s car or property. Liability coverage is often mandated by law, so you, as the driver, must ensure you have an adequate amount.
When Do You Need Car Insurance?
You should get car insurance when purchasing a new car. Some lenders may even require that you already have the policy before driving it off the lot. Your lender may also require you to have coverage throughout the entire period of your loan. Unfortunately, only two states – New Hampshire and Virginia – do not mandate that car owners and drivers purchase car insurance. However, that does not mean you are off the hook when paying damages: you will have to pay it out of pocket.
In addition, when someone new is driving your car, such as your child who has just obtained their license, you will need to get their name added to your policy for them to be covered.
How Long Does It Take to Get Car Insurance?
Unlike other types of insurance, getting car insurance is pretty quick. An application can be completed within a few minutes if all the required documents are ready. In many cases, the policy can be issued on the same day as the application, and of course, it helps to know what type of coverage you are looking for beforehand.
Why Choose K&N Brokerage?
Our car insurance specialists at K&N Insurance Brokerage are well-versed in the laws surrounding auto insurance policies. As a result, they can recommend the most suitable coverage to fit your needs after considering your age, driving history, and more.
Get the protection you need with car insurance. Whether you’re buying a new car or fulfilling a lender’s requirement, car insurance is a must-have for any vehicle owner. You’ll be prepared for the unexpected with coverage options to fit your budget and needs. So please don’t wait until it’s too late. Get a quote today and drive with peace of mind.
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