Elective Auto Insurance Coverage

Every state requires drivers to carry a certain amount of liability insurance, with the minimum requirements of coverage being decided by the state. It can be tempting to drop full coverage insurance the moment an auto loan is paid off, but there are incidents that are beyond your control that can put you back to pedestrian status. 1st American Insurance Agency professionals serving the Longmont, CO area can help you decide what risks you may wish to have covered.

Towing and Labor

Even if you can change a tire, there are several things that can halt your drive. As auto technology continues to gain more components, the more things can fail while on the road. Tow trucks can be expensive, often starting at $75 plus $1-2 per mile. One use can more than compensate for the addition of this policy.

Medical Payments

Liability insurance covers any medical expenses of the other vehicle’s passengers, but not the passengers of your car. Medical payment coverage can get you a treatment that requires upfront payment helping avoid unnecessary emergency room visits.

Uninsured/Underinsured Motorist Coverage

Should someone hit you who is uninsured, you will only see financial compensation if they have the means to pay and do not refuse to do so. Even a court order can’t get money from someone who is indigent. This means that you could be in the position to have to pay, upfront, for repairing or replacing your vehicle. Un-/Underinsured protects you from this situation.

State minimum coverage is meant to protect others from accidents caused by you, but there is nothing outside of that to protect you. Contact the professionals at 1st American Insurance Agency, serving the Longmont, CO area, to see if adding one or more of these to your minimum policy will keep you better protected from the things that cautious driving can’t always