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The basics of auto insurance | Lifestyles | washtimesherald.com – Washington Times Herald

  • Attorney Daniel Albert

Cloudy skies with periods of rain late. Low 64F. Winds S at 10 to 20 mph. Chance of rain 80%..
Cloudy skies with periods of rain late. Low 64F. Winds S at 10 to 20 mph. Chance of rain 80%.
Updated: April 12, 2022 @ 5:11 pm
Washington, Indiana
Auto insurance is something that most drivers have but very few, if any, hope to use.

Auto insurance is something that most drivers have but very few, if any, hope to use.
Traffic laws are designed to keep everyone on the road as safe as possible. That motivation also is behind laws governing auto insurance, which is required in Canada and the vast majority of American states.
Auto insurance is something that most drivers have but very few, if any, hope to use. According to Insure.com, car insurance is an agreement between the policy holder and an insurance company which protects the individual against financial loss if the vehicle is stolen or involved in an accident.The Insurance Information Institute says auto insurance provides property, liability and medical coverage. Property coverage covers damage or replacement of the vehicle. Liability coverage is for the policy holder’s legal responsibility to others for bodily injury or property damage. Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes even funeral expenses or lost wages.
Depending on where a policy holder lives, there are certain coverages that are compulsory, or mandatory coverages that are the minimum amounts required by law. Optional coverages also can be purchased to suit one’s needs. Compulsory coverage may vary based on location, driver’s age, type of vehicle, and type of financing on that vehicle. It is best to discuss coverages with an automotive insurance agent to figure out which types of coverage will be needed and to get a price quote. The six basic kinds of coverage include:
· bodily injury liability
· personal injury protection
· property damage liability
· collision
· comprehensive
· uninsured and underinsured motorist coverage
Insurance typically is sold with deductibles, according to the III. Policy holders may opt for higher deductibles so they can lower their premium costs. Additional factors that will affect the cost of coverage include driver’s age, driving record and location where the vehicle is housed or used. Credit score and gender also may affect premiums. Defensive driving courses and protecting the vehicle with anti-theft devices may help lower premiums.
Auto insurance costs vary by a significant amount, so it is a good idea to shop around and compare quotes. Bundling of auto insurance with other policies, such as homeowners insurance or umbrella policies, may help reduce rates.
To obtain an insurance policy, the agent will need the year, make and model of the vehicle being insured. For the most accurate price quote, the VIN number will be needed.
To buy auto insurance, one needs to be the registered owner of the car. Some states allow dependent and independent drivers to own a car in their own names at age 16 or 17. Some parents opt to combine insurance coverage for their teenagers because the premiums may be cheaper. Teenagers tend to be riskier in the eyes of insurance companies due to their lack of experience and perceived recklessness. Those factors are reflected in premium costs.
Insurance is something every driver should have. Motorists can explore their options to find policies that fit their needs and budgets.

Deborah Zigler, 71, passed away April 9, 2022. She was born in Washington on Nov. 8, 1950, to Jerry Maurice and Anna Jean (Zinkan) Bezy. A 1969 graduate of Washington High School, Deborah was retired from FIA, and most recently worked at the Bakery House in Washington. She loved fishing, pla…
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