Auto insurance offers a variety of protection for drivers. Not all types of coverage are mandated, but all of them have benefits that should be considered when choosing the kind of coverage you have. If you have a car loan, you will be required to have more coverage than if you don’t have a loan. At VIP Insured in Bellevue, WA, we are independent insurance agents who represent a variety of carriers and are able to work with you to find coverage that protects you at a price you can afford.
Basic coverage includes only one type of coverage, liability. This is the insurance that protects other people from you. It covers them for bodily injury and also for the damage to their vehicle. It can also be what protects you if they decide to sue you for pain and suffering. In Washington, that is 25/50/10. If you happen to have an accident where you are at fault and the vehicle is worth more than $10,000, you will be paying the difference out of your pocket. Never a good idea.
If you are like most people, you use your vehicle every day. You drive to work, run errands, take the kids to activities. Being without a vehicle is not an option. But what if you are responsible for an accident or are a victim of a hit and run? You will have to pay to repair or replace your vehicle yourself. Most people will find that difficult.
What if your vehicle was stolen? Without comprehensive coverage, you will just not have your vehicle. When you count on your vehicle, it is important to have more than basic insurance coverage. Consider adding collision and comprehensive coverage.
Contact VIP Insured in Bellevue, WA by phone or drop into our office for a no-obligation quote.
