5 Questions You Must Ask Your Auto Insurance Agent in Indian Orchard

Car insurance in Indian Orchard protects you from financial loss after an accident. Every state requires you to carry a certain amount of coverage, so it is important to consult an insurance agent to determine what you need.

Do not make a deal with the first insurance agent in Indian Orchard you meet. It’s important to explore your options to find a suitable policy that not only covers you, your passenger, and your car but the other driver too.

Following are the five questions you must ask an auto insurance agent:

What’s the Minimum Coverage I Need to Get?

The answer to this question depends on where you live. Most states offer liability insurance in their basic coverage, which includes accident-related injury, property damage, vehicle damage, legal fees, and death.

If you feel basic coverage is insufficient, look into comprehensive coverage and personal asset protection. Do not over-insure yourself, or you will be paying a high premium for nothing.

Will My Car Insurance in Indian Orchard Cover Roadside Assistance and Towing?

It’s the middle of the night, and your care breaks down. You have no choice but to call roadside assistance. This can get costly! Here’s what you should ask your insurance agent in Indian Orchard about this coverage:

  • Is 24/7 service available?
  • What are the daily limits?
  • Will it cover the cost of a rental car?
  • What are the towing limits?
  • What are the financial limits?

How Will Deductibles Affect My Premium?

A deductible is an amount you pay out of your pocket. For example, you were in a car accident, and the total damage cost $3,000. Your deductible is $500, and the company will pay the remaining. The higher your deductible, the lower your premium will be.

If Someone Other Than Me Gets Injured in an Accident, Will My Policy Cover Them?

Your top priority should be protecting your passengers and pedestrians who might get injured in an accident. This is why you need to add bodily injury liability to your car insurance in Indian Orchard. There are a few more coverage types you need to consider. These include:

  • Medical payments coverage
  • Personal injury protection
  • Underinsured/uninsured driver coverage
  • Income loss coverage
  • Total disability
  • Accidental death benefits
  • First party benefits
  • Funeral expense coverage

How Does the Claim Process Work?

Filing a claim can sometimes be challenging. Once rejected, getting approval the second time is difficult. This is why you must ask your insurance agent in Indian Orchard the following:

  • What steps do I need to follow to file a claim?
  • What are the deadlines and time limits for filing a claim?
  • Can a claim be submitted anytime?

It’s important to ask your insurance agent in Indian Orchard anything and everything you have on your mind. In this case, it’s better to be safe than sorry. Suppose you are driving with someone in the passenger or back seat. In that case, it is your responsibility to ensure that they won’t face any financial burden on top of the physical, mental, and emotional stress if an accident occurs.

Visit the Western Mass Auto Insurance website toget your car insured in Indian Orchard. We offer various coverage options that protect drivers, passengers, and third parties. Talk to our auto insurance agent in Indian Orchard or fill out the online form to get a free quote. For more information, call (413) 543-3800.