Everyone who owns a car should purchase auto insurance so they are covered for property damage, medical bills, and legal costs. Most states require the owner of a vehicle to purchase insurance or provide proof of financial responsibility.
The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by accident, fire, theft, or other covered event. Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.
An auto insurance policy is a contract between you and an insurance company. You pay a premium, and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy. Work with us to determine the best coverage for your Insurance for cars, trucks, boats and more!
We write insurance in Texas and Michigan and would be happy to help ensure you have the right coverage for where you live.
Even in states where coverage isn’t required, drivers must, by law, be able to pay for losses they cause others. Having insurance is the simplest way for most people to comply.
Most policies contain three major parts related to liability to other vehicles and people.
No-fault states: If you live in a state that has no-fault laws – meaning there is no need to determine who is at fault to receive payment for injury claims – parties seek recovery from their own insurers instead of bringing a lawsuit.
Tans Agency can even insure your Classic Car,Motorcycle Motor Home & RV, Boat & Jet Ski, and ATV too! Contact us for more information today!.
PIP offers vital protection from costly medical expenses after an accident. Because it's such an important coverage, check the specifics of your health insurance plan and work-loss coverage, if you have these, to determine how much PIP coverage to add to your car insurance policy. Check to see how your health plan, in particular, handles expenses after a car accident.
Accidents happen every day – even to good drivers. If you do not have enough liability coverage, and you are found at fault for an accident, you would be responsible to pay for anything your insurance does not cover. So do consider buying more coverage than the law requires.
If you do not have enough liability coverage at the time of the accident, anything above the limits of your liability coverage of your auto insurance policy will have to come out of Your Pocket.
Medical costs and legal costs are very high and increasing every day. If you could not afford to pay these costs out of pocket, then you should buy more than just the minimum liability coverage limits your state law requires. You should purchase the most coverage you can reasonably afford to protect your financial security.
You might need umbrella policy if you need to protect you assets By providing liability protection above and beyond the basic coverage that homeowners/renters and auto insurance policies offer,
Umbrella Liability coverage can protect you against the catastrophic losses that can occur if you are sued.