Basic auto insurance is the required amount of insurance the state says you need to have. This is usually liability coverage to protect other people from you and an accident you are responsible for. Which is all well and good but what about your vehicle? If you live in Friendswood, TX, you can count on the Roberts Family Insurance to provide the auto insurance coverage you need.
If you have an auto loan, you will need more than just basic auto insurance. You will need to carry collision coverage and comprehensive coverage. The same is true if you have an auto lease. But beyond that, what if you like most people count on your car every day to go about your normal activities, – what would you do?
Auto Insurance: Beyond The Basic
Collision coverage
If you have an accident where you are the responsible party, you need to get your vehicle repaired. If you can afford to do that on your own, all is well and good, but most people can’t. If you have collision coverage, it will pay for the repair or replacement of your vehicle minus the deductible. It will also cover you if you are a victim of hit-and-run.
Comprehensive coverage
Comprehensive insurance covers a variety of different things that can damage your vehicle. If you run into a large animal like a deer, comprehensive coverage is what is needed. If your vehicle is stolen or vandalized, this is what will cover it. Comprehensive will also cover hail damage, a branch falling on your vehicle, or anything else falling on it, and it also includes glass coverage after a deductible is met.
If you need your vehicle, you need more than basic auto coverage.
Contact our team at Roberts Family Insurance in Friendswood, TX when you are ready to discuss your auto coverage.
