Auto insurance is a fact of life in Crawfordville, Havana, Monticello, Quincy, Tallahassee, FL, and the surrounding areas. And you will always find the best options when you work with an independent insurance agency like Pichard Insurance Agency. But just like it is important to understand what your auto insurance policy covers, it is just as important to know what it does not cover. And if you have additional parts on your vehicle that you want to insure, those need to be disclosed and listed otherwise they will not be covered under your normal insurance. Talk with our team today to learn all about your auto insurance and be sure that you have the right amount of coverage.
Understanding When You Need Extra Coverage
We all use our vehicles for a variety of things, but some things need a little bit more than the standard coverage. If you intend to use your vehicle for ridesharing to earn some extra cash, you will need to have rideshare insurance, and if you want to use your truck to make deliveries, you will then need to have commercial auto insurance when using it for business purposes. And this is just scratching the surface of different auto insurance options to look at.
While having the right additional coverage is important, it is just as important to understand what your insurance policy will not cover. Routine maintenance issues like oil changes, tire rotations, and other services that are from normal operations will be out-of-pocket expenses. And of course if your vehicle is totaled after an accident, your insurance will only provide you with the vehicle’s value, which might be less than what the loan amount is, but there is gap insurance that can help with this as well.
Know Your Policy Limits
Having auto insurance is important, but just as important is having the right amount of coverage for your vehicle. If you only have $25,000 of property insurance but your accident causes $40,000 worth of property damage, you will need to come up with the difference from your own pocket. It is a much better option to have higher limits for your auto insurance to protect you from an expensive incident than to find out that your insurance will only cover a portion of the expenses.
There is having the bare minimum of auto insurance just to meet the letter of the law, and then there is the appropriate amount of auto insurance to ensure that you will be fully covered and protected in Crawfordville, Havana, Monticello, Quincy, Tallahassee, FL, and the surrounding areas. Talk with our experienced team at Pichard Insurance Agency and let our independent insurance agents help you to find the best auto insurance for your needs. Contact us today to learn more.
