What is auto insurance?
Auto insurance protects you against financial loss if you have an accident. Auto insurance policies may include coverage for liability, physical damage, and medical payments.
- Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
- Physical damage coverage pays for damage to, or theft of your car.
- Medical payments coverage pays for the cost of treating injuries, rehabilitation, lost wages, and funeral expenses as a result of an auto accident.
Why do you need auto insurance?
It's about protecting yourself financially.
- If you're in an accident or your car is stolen, it can cost a substantial amount of money to repair or replace the vehicle.
- If you or any passengers are injured in an accident, medical costs can be extremely expensive.
- If you or your automobile is responsible for damage or injury to others, you may be sued for much more than you're worth.
- Not only is having insurance a prudent financial decision, many states require you to purchase auto insurance.
Martin & Zerfoss is an advocate for finding auto insurance that meets your specific needs.
Here are a few things to consider as you prepare for the discussion:
This website provides a basic summary of the insurance products offered by Martin & Zerfoss. It is not a statement of contract and coverage may not apply in all areas. For a complete description of coverage, please read the insurance policy, including all endorsements.
- How much can you afford to pay if you are involved in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)
- What is the insurance company's level of service and ability to pay claims?
- What discounts are available? (Ask about good driver, multiple policy and good student discounts.)
- What's the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)