As a skilled and experienced driver who has not had an incident for more than ten years in Plainfield, IN, you might be wondering why you need car insurance. However, as Gill Insurance Agency will tell you, you never know when you will be involved in an accident, which means that you should always remain covered. Besides adhering to state insurance regulations, there are other instances where you will benefit from having car insurance.
Peace of Mind
As an experienced driver, you might feel as though you are safe while driving on the roads. However, not everyone is experienced, which means that other drivers are likely to hit your car. In such instances, especially those involving underinsured drivers, you will be able to cater for your repairs and other necessary expenses that are likely to occur.
Supplement Your Health Insurance
What many people don’t know is that car insurance can help in supplementing health insurance policies. There are some accidents that your health insurance will not cover. For instance, dental injuries sustained during the accident might not be covered. Instead of paying from your cash savings, car insurance will come in handy and pay everything that your health policy has not paid.
Save Time and Hassle
When an accident happens, you are likely to be involved in negotiations and many discussions with other drivers and property owners. You will be spending much of your time that you could be using productively. However, with car insurance, you will not be involved in time-wasting negotiations. Your insurance provider will take charge of everything, including the legal issues that will probably ensue.
Gill Insurance Agency has seen many auto owners take the simple route of avoiding car insurance in Plainfield, IN, after which they have painfully paid for. To avoid being in such situations, make an effort to have your car insurance ready at any given time. Reach out to us for more information.
When people think of Indiana, they may think of the Indianapolis 500 race. Still, as a regular driver of a motor vehicle, you will want to follow the requirements and laws for auto insurance in Indiana.
The agents at the Gill Insurance Agency in Plainfield, IN understand the state requirements for auto insurance. Under Indiana law, all drivers must have at least bodily injury and property damage liability insurance. This type of policy will cover any injuries sustained by others involved in an accident that is determined to be your fault and will cover any property damaged in the accident.
Indiana law also requires each motorist to obtain an uninsured and underinsured insurance policy. This type of policy will cover medical payments for injuries sustained in a crash with someone who doesn’t have insurance or who has very little and will also cover property damage. In other words, if you or your passengers are injured due to an accident with someone with no insurance, your medical bills will be paid.
Comprehensive insurance is important to have, not only for your peace of mind but for the bank or other lender that loaned you the money for your vehicle. This type of policy will cover your vehicle if it is damaged or destroyed by a natural disaster, fire, or vandalism. It will also cover your vehicle if it is stolen.
This part of your auto insurance policy will cover damages to your vehicle whether you collide with another car or if you collide with an object, such as a telephone pole.
To determine the best auto insurance coverage for you and your vehicle, call upon the agents at the Gill Insurance Agency in Plainfield, IN for an appointment or quote today!
After you get into an accident, the sheer adrenaline can start to unnerve you. No matter how it happened or who was at fault, even minor collisions can rattle the status quo. This is why it can be somewhat confusing to file an auto insurance claim in Plainfield, IN. Gill Insurance Agency wants you to have more information before you even start the process.
1. Start with the Information
Eye-witness accounts, police reports, photos: there are plenty of things that you can use to strengthen your version of the events. Because two people may view the same situation very differently, the point is to provide as many indisputable facts as possible. It may take a little extra effort, but you’re much more likely to come out ahead in this case.
2. Work with Your Insurer
An insurance carrier should be able to adjust their numbers based on the reality of the situation. For example, if a claims specialist estimates the repairs without seeing the car first and underestimates just how much is needed to fix the vehicle. Keeping a cool head and explaining the situation can go a long way to avoiding miscommunication that could result in a refusal to cover the damages.
3. Ask Questions
As difficult as it can be to consider your rates going up or what will happen if you’re found at fault, doing so puts you in control of the situation so you can be proactive as opposed to reactive. There may be steps you can take to mitigate your circumstances once you understand them.
If you want to learn more about auto insurance in Plainfield, IN, call Gill Insurance Agency to discuss how different kinds of policies will cover you under certain types of claims.