Auto insurance is something all drivers need, but no one wants to use. However, statistics show that the average driver will file claims for three or four accidents in a lifetime, or once every 17 years. That does not account for the damages a vehicle may suffer due to non-collision related events, such as theft, vandalism, and inclement weather. With so many hazards, a poorly insured driver could easily face thousands of dollars in damages, as well as liability expenses.
If there is one thing that Milwaukee area drivers know, it is that the weather can change in an instant. Year after year we are faced with snowstorms, blizzards and treacherous driving conditions. It is not uncommon to hear of accidents – especially multi-car pileups along slick roadways. Who would be responsible if you were a victim in a large pileup accident? Would the insurance of another driver pay for damages to your vehicle? What about the vehicle you hit during the wreck?
Obviously, liability in an accident is not always as cut and dry as it may seem. Whether you are responsible for an accident yourself or you are the victim of an uninsured or underinsured driver, it pays to know you are covered. Collisions come in all types, from small fender benders to major car accidents that total the vehicles involved and send passengers and drivers to the hospital. Similarly, auto insurance can span a wide range of coverage, from basic liability to comprehensive protection.
Choosing Auto Insurance that Fits Your Needs
At Carrigan Insurance, we know our customers are interested in two things – affordability and peace of mind. It is our job to provide access to auto insurance that meets the needs of policy-holders without costing an arm and a leg. After all, you work hard for your money. We think you should be allowed to keep more of it.
We help our customers compare coverage and rates from several of the state’s leading insurance carriers. Coverage is available to protect your vehicle, any property you damage, and the cost of injuries to victims in an accident. Your policy can include:
Liability damages can quickly wipe out your entire life savings without the right amount of coverage. State minimums are often not enough to scratch the surface on medical bills, lost wages, and pain and suffering. Our team can help you determine how much liability protection you need to protect the life you have worked so hard to acquire.
If you cause an accident, collision insurance helps pay to repair or replace your vehicle and its contents. Collision insurance helps pay shop bills and ensures you do not have to pay out of pocket for another vehicle if yours is totaled. You can also include additional coverage for towing expenses after an accident or rental car reimbursement while your vehicle is being repaired.
Comprehensive insurance is coverage for damages and losses not caused by an accident. It pays when a hail storm leaves golf ball-sized dings on the roof of your car, or worse, someone steals your vehicle while you are shopping for groceries. With comprehensive insurance, you are covered against a wide range of possible losses.
Every driver needs car insurance, but determining how much coverage to purchase can be confusing. As independent agents, we work for you, helping you to determine how much liability protection you might need to protect your income and assets. To learn more about Wisconsin auto insurance or to request your free quote, contact our office today.