Get the right auto coverage for your needs. Brooks McCall & Associates, Inc proudly serves Wilmington, DE and the surrounding areas. call us at (302) 475-8200 to get a quote
Common Auto Insurance Questions:
What is auto insurance?
Auto insurance assists you financially in covering vehicle damage costs in the unfortunate case of an accident. It is a paid agreement between you and your insurance provider. After filing a claim following an accident, your provider will step in and assist you in covering significant damage costs depending on what you are responsible for.
What do auto policies cover?
In Delaware, all drivers are required to carry three types of auto insurance:
1. Bodily Injury Protection - $25,000/$50,000
If you are responsible for the injury or death of another person and have minimum coverage, your insurance company will pay up to $25,000 to one person involved in a single accident and up to $50,000 to all people involved in a single accident, with no more than $25,000 to any one person.
2. Property Damage - $10,000
If you are responsible for damages to another person’s property and have minimum coverage, your insurance company will pay up to $10,000 due to destruction of property of others as a result of any one accident
3. Personal Injury Protection (PIP) - $15,000/$30,000
Whether you are responsible for the accident or not, your insurance company will pay for the medical expenses and loss of wages for you and your passengers. If you have minimum coverage, your company will pay up to $15,000 to any one person involved in a single accident and up to $30,000 to all people involved in a single accident, with no more than $15,000 to any one person. Also included in PIP coverage is up to $5,000 for funeral expenses.
The perks included within the policy you choose are generally up to you, but auto policies can offer expansive benefits such as:
Collision Insurance: Covers damage to your own vehicle after a wreck.
Comprehensive Insurance: Pays for damage from non-accident mishaps, like weather damage.
Medical Coverage: Pays for your medical bills and those of your passengers.
Uninsured/underinsured Insurance: Insures you against damage caused by someone else who doesn’t have appropriate liability coverage.
Other coverage offers help for roadside assistance and rental car coverage. Contact your agent about including these protections in your coverage.
Why do you need car insurance?
You are required to have at least some type of auto insurance policy in most areas. However, settling for the bare minimum coverage just to have it can jeopardize the future of you and your vehicle. It’s important to get adequate coverage to assure the safety of your future in the case of an accident. We will help you in finding the best policy for you and your specific scenario.
Questions to ask your agent
Our knowledgeable agents are here to guide you in choosing the best coverage through a variety of sources and expertise, as well as continuous support and advice.
Here are some things to consider as you select your coverage:
How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)
What is the insurance company's level of service and ability to pay claims? (Some might be more convenient for you than others).
What discounts are available? (Ask about good driver, multiple policy and student discounts.)
What's the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)