Driving in the Washington, DC area is not easy, therefore most of us will eventually need to make an auto insurance claim at one time or another. That is why it is so important that you get your policy set up in way that gives you the coverage you need at a price you can afford.
Auto insurance policies provide you with a number of different types of coverage from which to choose- liability, comprehensive, and collision as well as riders that offer rental reimbursement and towing.
- Virtually all auto policies include liability coverage which covers injuries and property damages that you cause to others in an accident.
Auto policies can also cover damage that occurs to your car.
- Collision coverage covers damage caused by your car hitting another vehicle or object and it covers damage that occurs if you hit a curb or drive off the roadway.
- Comprehensive coverage, sometimes referred to as “Other Than Collision” coverage, protects you from damage caused by theft and vandalism and falling objects (such as a rock hitting your windshield), as well as contact with an animal such as a deer.
- When you purchase car insurance you also have the option of getting additional coverage for Roadside Assistance and Rental Reimbursement. These often inexpensive coverages can be very helpful if your car breaks down or if you need a rental car while your car is in the shop due to a claim.
At the Alex Johnson Insurance Agency, we will explain how each of these coverages work and help you set up a policy that gets you the coverage you need at a price that you can comfortably afford.