Auto Insurance Basics

You want to protect your friends and family from dangers, but that’s not always possible. Having a sound auto insurance policy is a great start to helping protect yourself if an accident does occur. Commonwealth Insurance Center can get you started with that. In Williamsburg, VA, you’ll be able to get the right coverage for your needs.

The Types of Coverage Available

Being found at fault for an accident can be life-changing, and carrying the burden of debt because of the expenses can be just as devastating. Luckily with auto insurance, you’ll be able to avoid going into debt.

  • Bodily Injury Liability – is liability insurance that gives you coverage if a claim is made against you because someone was injured in an accident that was your fault. Medical costs could be completely covered, which may include hospital stays, clinic visits, and rehabilitation.

  • Property Damage Liability – is coverage that begins when you damage someone’s property. Property could include a vehicle, a home, a fence, or any other property.

  • Uninsured and Underinsured Motorists – is coverage that generally goes together. If someone is uninsured or does not have enough coverage to pay for damages to your vehicle or person, then this coverage will start.

Other Kinds of Auto Coverage

You may need additional coverage that will pay for varying costs.

  • Collision – pays for coverage if you have an accident and damage your vehicle. This could include an accident with another vehicle or an object, such as a telephone pole.

  • Comprehensive – is coverage that protects you if your vehicle is damaged due to something other than an accident. This includes fire, vandalism, and theft.

With a good auto insurance policy, you could be completely covered. Start by getting in touch with the agents serving the Williamsburg, VA area at the Commonwealth Insurance Center.

How to Know If You Should Get Full Coverage Auto Insurance to Meet Your Needs

Are you someone who always goes for the cheapest auto insurance available? That may not be the wisest idea. Sure, it’s great to be able to say you got the "best deal out there." However, you might end up regretting this later on if the unexpected happens, and you have to pay out of pocket for damages or replacement. This should be discussed with an agent at Commonwealth Insurance Center, serving the greater Williamsburg, VA area. 

What Is Full Coverage Auto Insurance?

This can mean different things for each person and each insurance company. It’s best to read all the details of an auto insurance policy before you sign up for it. 

Almost all of these policies feature the following types of protection:

  • Liability is what covers any damages that are determined to be your fault in an accident. This includes the vehicle itself and any medical expenses of the people who were inside the automobile at the time. Most often, maximum limits for liability insurance are $500,000 total for an accident, $100,000 for the other vehicle, and $250,000 for that vehicle’s driver and passengers.
  • Collision insurance covers the damage that’s done to your vehicle, as well as any injuries you and your passengers have as a result of an accident that’s deemed to be your fault. The insurance company should pay for everything besides a deductible of about $100-500 that you have to pay out of pocket.
  • Comprehensive insurance covers other types of damages to your automobile that occur when you’re not driving it. This includes natural disasters such as tornados, and damages arising from vandalism. It also may cover the cost of replacing your stolen vehicle. 

Why Get Full Coverage?

If you own your automobile outright but will not be able to replace it yourself if it’s stolen or damaged enough to need a replacement, full coverage is essential. If you’re someone who does a lot of driving, it makes good sense to have the full coverage in place if you have a car that’s worth a lot of money. If you are still making car payments, you’ll be required to have full coverage auto insurance.

Be sure to talk to a professional about this matter and anything else you aren’t sure of when it comes to auto insurance. Reach out to the team at Commonwealth Insurance Center of the Williamsburg, VA area for assistance right away. 

Tips to Avoid Getting in a Deer Accident

Whether you are driving through the city of Williamsburg, VA or are in the rural outskirts of the city, there is a chance you will come upon a deer. The times when you are at the greatest risk of hitting a deer is during migration and mating season, which is generally between October and December. Deer are most often seen first thing in the morning and at dusk. The typical deer can weigh 200 pounds or more, so hitting one with your car can cause significant damage, even death. Here are a few tips to avoid getting in an accident with a deer.

Use High Beams

If you are driving in an area that is known to have deer, for the best visibility, it’s best to drive with your high beams on. This will allow you to have a better view of the side of the road as well as what’s ahead of you, but keep in mind that if another vehicle is approaching, be sure to turn your high beams off to avoid limiting the vision of the driver coming toward you.

Advance Slowly

If you see deer standing on or on the side of the road, advance slowly. Startling the deer can cause them to run in an attempt to avoid your vehicle. Unfortunately, they may run right in front of you. Keep in mind that not only is it possible for you to hit a deer, but deer can hit you. While trying to run, it is common for deer to ram into the side and even the top of a vehicle, so use extreme caution if you see a deer.

Sound the Horn & Flash the Lights

If there are deer in the middle of the road, do not attempt to go around them. Instead, slow down and flash your lights and sound the horn until the deer are out of harm’s way. If you must stop because of deer in the road, keep a safe distance between your vehicle and the deer and continue to sound the horn and flash the lights until they leave the road.

One of the most important things to keep in mind is that if you see one deer, there are probably several more in the area, so drive with extreme caution. If you can’t avoid colliding with a deer, try not to swerve; it will increase the chance of you losing control of your vehicle. If you do hit a deer, contact the proper authorities and Commonwealth Insurance Center as soon as possible.

Residents of Williamsburg, VA who want to learn more information about deer accidents should contact Commonwealth Insurance Center.

How Much Auto Insurance Do You Need For Your New Vehicle?

Once you buy a new automobile, the next step is to purchase the right amount of insurance. Many people in the Williamsburg, VA area are unsure about the amount of coverage they need for their new vehicle. Learn what type and how much automobile insurance you need before you even drive home, to protect you from losses.

What Type Of Insurance

If you are either purchasing or financing a new vehicle, you should probably select full coverage insurance. Without full coverage, you may not have the funds available to repair or replace a new vehicle. If you are financing, most states now require you to carry full coverage insurance at all times during the financing period. Once you begin shopping for your insurance, you will have to decide on a deductible, as well as covered amounts. Some of the coverage amounts you must select include hospitalization, liability, and uninsured motorist. 

Selecting A Deductible

When selecting a deductible, you should know that the more your deductible is, the lower your monthly premium will be. If your premium is high, your deductible will be low. If you are on a tight budget, you may want to select the higher deductible to keep your bill low every month. Just keep in mind that you will have to come up with a larger amount of money in the event of a covered accident before the insurance pays for any damages to your vehicle.

If you are looking for superior automobile insurance that you can count on when you need it, check out Commonwealth Insurance Center. The insurance representative at Commonwealth Insurance Center in Williamsburg, VA can help you discover your coverage options, and select a plan that is right for your needs.