Questions To Ask When Shopping For Auto Insurance

Shopping for auto insurance can be challenging, especially if you have never done it before. To ensure you get proper coverage according to your needs and budget, you should ask an insurance agent the right questions. Here is what you should discuss when looking for car insurance:

What Type Of Coverage Do I Need?

The first step in choosing auto insurance is understanding your needs. Certain factors should be discussed and considered, including your vehicle’s value, budget, and risk tolerance. 

How Much Deductible Should I Get?

The deductible is the amount you have to pay out of pocket before your insurance kicks in. The higher deductible you have, the lower your monthly premium is. It would be best if you discussed it with an insurance agent when shopping for auto insurance to ensure you can afford it. 

What Is Not Covered By My Insurance?

It is best always to ask the agent about any policy exclusions. There are specific situations in which your insurance will not provide coverage. While you can typically find these exclusions in your contract, asking an agent about them is good because you may miss something. 

What Are The Additional Coverage Options?

Numerous extra coverage options- rental car reimbursement, roadside assistance, gap insurance, and others- provide additional protection. These options may increase your monthly premium but will give you peace of mind. 

Are you shopping for auto insurance but have questions? If you live in Bethlehem, PA, or any nearby town, make sure to reach out to Saucon Insurance Agency. Our reliable and trustworthy insurance company will answer your questions and help you choose the right insurance plan. Contact Saucon Insurance Agency today to learn more about the insurance options available. 

How Does Insurance Work for Single-Vehicle Accidents?

Single-vehicle accidents account for about one-third of traffic incidents nationwide, so it is essential to understand how your insurance coverage works in those situations. Our team at E.S.T.I.R. Inc., serving the Bloomfield, NJ area, is here to help you understand and acquire the insurance coverage that will best protect you and your family.

Understanding Fault In Single-Vehicle Accidents

New Jersey is a no-fault state for insurance purposes. That means that whether you are involved in a single-vehicle or multi-vehicle accident, the primary payer of economic damages you suffer from the accident is your insurer, specifically the Personal Injury Protection (PIP) portion of your auto insurance.

However, being a no-fault state does not mean New Jersey does not assign fault for accidents. For example, drivers in single-vehicle accidents may not be considered at fault or only partially at fault when accidents result from hitting a deer or, in some cases, inclement weather.

In addition, while PIP addresses most single-vehicle accidents, there are situations in which you can recover compensation from others who are at fault for the accident. These include:

  • Swerving to avoid hitting another vehicle or obstacles in the road
  • Obstructed road signage
  • Vehicle malfunction caused by the manufacturer or auto service provider

Most importantly, if you are involved in a single-vehicle or multi-vehicle accident, you should obtain a police report and safely document the accident scene. Doing so can help determine who bears what portion of the fault and may allow you to avoid or reduce liability.

Working With E.S.T.I.R. Inc.

The team at E.S.T.I.R. Inc. serves the Bloomfield, NJ area. We will happily answer your insurance questions and create a policy that best meets your needs. Call or stop in today to ensure you have the coverage you need.