Personal Auto Insurance
Click here for commercial auto insurance.
Auto insurance is essentially a contract between you and your insurance company. If you have an accident, your auto insurance protects you against financial damages. You simply pay the insurance premium, and the insurance company covers your losses defined in your policy.
Most auto policies cover a period of six months or a year. Insurance companies will outline for you and communicate your premium payments, renewal times, and payment policies.
There are six different kinds of coverage in an auto insurance policy. Most states require you to buy some, but not all, of these coverages. If you finance your car, your lender may also have specific requirements.
In general, auto insurance can provide property, liability and medical coverage:
- Property coverage pays for damage to your car, or theft of your car.
- Liability coverage pays for the charges you are held legally responsibility for if there is bodily injury or property damage to others.
- Medical coverage pays for the cost of treating injuries, including rehabilitation. In certain cases, lost wages and funeral expenses are also covered.
Do I really need auto insurance?
Yes. In most states, it’s the law to have some sort of coverage, but auto insurance is always a very sensible & worthwhile investment: it protects your financial interests.
Fixing or replacing a car that has been in an accident or stolen can be very, very expensive. If you (or someone on your policy) is ever in an accident, or your car is stolen, auto insurance can protect you against:
- Extremely expensive medical costs to you or passengers in your car
- Potential financial lawsuit damages if you or your car is responsible for damage or injury to others
Talk to your agent
Your Kahrl & Company Insurance Agent will help you find the right auto insurance that specifically meets your needs. Here are a few things to consider as you prepare for your appointment:
- How much can you afford to pay if you get in an accident?
- How can you keep your premiums low? (You may want to have a higher deductible and pay more for repairs.)
- What is Kahrl’s service record and ability to pay claims?
- Are there discounts available, such as “good driver,” “good student” and “multiple policy” discounts?
- What are Kahrl’s filing procedures? Who do I call first? How do I file? What happens afterward? How is it settled?