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Auto Insurance Basics

By November 29, 2017March 11th, 2024No Comments

Arkansas Auto Insurance

The need for car insurance is important. It’s also the law in all states across the United States. If the policy owner’s car is financed through a bank, they may require other coverage, called physical damage or referred to commonly as”Comp & Collision.”  

-Property coverage pays for damage to the car caused by an accident. This includes swerving to avoid hitting a deer, damage caused by vandalism or theft. 

-Liability coverage pays for any bodily injury that is caused by the policy holder’s vehicle. It covers the cost of legal responsibility to others. Liability also covers property damage to other’s property that was caused by the policy holder. And personal injury to the other person involved. 

-Medical coverage pays for treatment of the injured people involved. If there’s a passenger in the policy holder’s vehicle, then the holder’s car insurance will pay for their medical expenses if this coverage is chosen & paid for. It can also cover funeral expenses 

This is a very simple outline of auto insurance, but other options are available.  Especially, discounts for such things as multiple cars, owning your own home, safety features and many more.  It’s bets to visit with an agent, or 2-3, ask questions, let them ask you questions to identify what you will qualify for and then get an estimate for insurance.  All auto insurance policies are not created equal, nor are the prices charged for those policies. 

 Legal Disclaimer: this article is for informational purpose only.  Everyone is encouraged to consult with a licensed insurance agent on the specific insurance contract that agent can offer and coverage of that policy.   

About the Author:

DJ Noland is a licensed insurance professional in the state of Arkansas and managing Principal of McGhee Insurance Agency of North Little Rock, AR.Our officesspecialize in placing insurance protection for individuals and families & businesses in Arkansas and would love to visit with you on your auto insurancehome insurancelife insurance protection to help structure a plan to protect what you’ve worked so hard for and will work hard for in the future.  

[Click here to contact DJ today.]

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