Automobile Insurance

Helping Individuals, Families, and Business Owners SECURE their future and the future of their loved ones

If you own or operate a motor vehicle, auto insurance coverage is mandatory in most states. In addition, auto insurance protects you from financial loss in the event of an accident. Not only does auto insurance from help pay for repairs to your vehicle and medical bills following an accident, but it also allows you to take to the road with peace of mind, knowing that you are protected from the unforeseeable. Since auto insurance coverage minimums are determined on a state-by-state basis, it’s important to be familiar with the laws and requirements in your state.

Ten Reasons to Purchase Auto Insurance

1. It's the Law

In virtually every state, you must carry car insurance or face criminal fines. Repeated offenses could lead to the loss of your driver’s license and even a jail sentence.

2. Your car is an important asset.

For many people, a car is the second-most-expensive purchase they will make in their lives, next to the purchase of a home. Vehicles are essential not just because they’re expensive, but also because of the service they provide to families. Car insurance is a way to protect that important asset.

3. Your lender will always want to be paid.

If you have an accident and can’t afford to get your vehicle repaired because you don’t have car insurance, the company that provided you a car loan won’t stop asking for monthly payments. Car insurance is one way to help ensure that you can continue to make your car loan payments.

4. Cars get you to work.

If you decide to forgo insurance and then get into an accident and sustain damage you can’t afford to repair, that doesn’t affect your need to get to and from work and make other necessary daily trips. Car insurance helps pay for car repairs so you continue to make your daily trips.

5. The cost of a major accident.

One of the many important roles of car insurance is the money for medical costs of people who are injured in accidents that are your fault. Of course, that includes any injuries you may suffer as well.

6. Provide legal protection.

There’s nothing to stop someone from suing you after an accident even if they are in the wrong. But car insurance gives you a buffer between legal claims and your wallet. That includes providing an attorney to handle any lawsuit stemming from a lawsuit over an automobile accident.

7. Protection from Mother Nature.

What will you do if there’s a mudslide, hurricane, or earthquake that damages or even totals your vehicle? That can be a time when money is extremely tight, but car insurance provides some protection in those circumstances.

8. Non-accident protection.

Car insurance can also be crucial if your vehicle is stolen or vandalized. That’s one of the reasons why many insurance companies offer a break on insurance if a policyholder regularly parks his or her car off the street and in a covered garage, where the instances of theft and vandalism are much less prevalent.

9. Stop a slide to bankruptcy.

For many people, the uninsured loss of a vehicle completely turns their lives upside-down. There’s no money for another vehicle, so getting to work on time can be difficult. That can lead to loans or credit card use that could spiral out of control.

10. Peace of mind.

Because car insurance helps in so many areas, not having insurance can lead to some nerve-racking times just hoping against hope that no other bad news arrives. Studies actually show that contented workers are more productive on the job. That’s just one of the perks of peace of mind.

Frequently Asked Questions

What is Medicare and who can get it?
Most commonly used by people age 65 or older, some younger people are eligible for Medicare, too. Those include people with disabilities, permanent kidney failure and amyotrophic lateral sclerosis (Lou Gehrig’s disease). Medicare helps with the cost of health care, but it does not cover all medical expenses or the cost of most long-term care.

Yes, you can change your Medicare coverage during certain enrollment periods, such as the Annual Enrollment Period (AEP) and the Medicare Advantage Open Enrollment Period (MA OEP). Outside of these periods, you may qualify for a Special Enrollment Period (SEP) if you experience certain life events, such as moving, losing other coverage, or becoming eligible for Medicaid.

Medicare is divided into four parts:

  • Part A: Hospital Insurance
  • Part B: Medical Insurance
  • Part C: Medicare Advantage Plans
  • Part D: Prescription Drug Coverage

For more information about Medicare, you can visit the official website at, contact the Medicare hotline at 1-800-MEDICARE (1-800-633-4227).

You can also give us a call and schedule a no-cost consultation where we can help you understand your options! Call us at 417-883-9300 or click “Call Now” below: