Town & Country Insurance

If you’re in an accident and it is your fault, your insurance rate will increase. But even if the accident was not your fault, your insurance rate may still increase. Your insurance premium could increase depending on the situation of an accident, your history of making claims, and the type of insurance coverage you have. Contact our office with the details of your situation and our team will help find the best coverage for your needs.

Full coverage auto insurance means you have coverage for your own car, not just the other guy’s. It typically combines collision and comprehensive insurance, which pays out if your vehicle is damaged, plus liability coverage, which pays for injuries and damage you cause to others. Since it covers more situations, full coverage car insurance is pricier than liability coverage alone. To find cheap full coverage insurance, it’s important to shop around for the best rates.

When you get behind the wheel, you take a risk. You may attempt to be the best possible driver, but you also have to trust that everyone else on the road is driving well and paying attention, too. Auto insurance provides a safety net when drivers make mistakes. In the event of an accident, you are at risk financially. If the accident is not your fault, and the other driver does not have adequate insurance, you have to pay for all damages to your own car plus pay for any medical bills if you are badly injured. When you are at fault, you are typically liable for damages to the other person’s vehicle as well as the medical costs of injured victims. Additionally, you must cover the repairs to your own vehicle and the costs of legal fees if you are sued. All of your assets are at risk if you are uninsured or underinsured.