Consider this:
- Some six million auto accidents occur in the U.S. every year resulting in one death every 12 minutes.
- Someone is injured in a car crash every 14 seconds and nearly two million of those injured suffer permanent damage.
- A motor vehicle is stolen every 26 seconds in the United States.
- Auto accidents cost Americans over 160 billion dollars annually.
These sobering statistics are the facts behind legislation which requires Americans to insure their vehicles. The amount and types of coverage required varies by state and is dependent upon several factors. Our experienced staff can help you find an affordable policy that meets all of your insurance needs.
Your auto insurance policy is typically a combination of several primary coverages designed to insure you against repair and medical costs should you be involved in an accident. It is also your safegaurd against economic hardship should you cause an accident in which another individual suffers damages or other injury. The cost of automobile insurance can vary greatly depending on one's driving record, amount of deductible, amount and type of coverage, and optional coverages desired. Also, many providers offer discounts to individuals meeting certain criteria. Our trained agents will be happy to reveiw your current policy with you to make certain that you are receiving proper coverage and enjoying any and all discounts to which you are entitled.
Liability Insurance
While your automobile may be valuable, it is likely not the greatest asset on your balance sheet; without proper coverage it could easily become your greatest liability. The laws that pertain to automobile coverage vary by state, yet all states require motor vehicle owners to carry liability insurance. Liability coverage can insure you against property damages incurred by other parties, and for bodily injury or death resulting from your negligent operation or ownership of the vehicle. Again, our experienced agents can assist you in meeting both your coverage requirements and cost objectives when placing a new policy. We will also be happy to review your current policy with you to assure that your coverage falls within the legal guidelines for your state. You can arrange a free consultation or policy review here.
Optional Coverage
Insurance providers offer a variety of coverage options at additional cost; Uninsured Motorist, Collision, Comprehensive, etc. Take the time to speak with one of our agents to reveiw the many available options and to assure that you are getting the coverage you require.
Other Coverages
Island Insurance Services can also help you find affordable coverage for your motorcycle, ATV, or recreational vehicle. Take a few minutes to contact one of our experienced agents for a quote.
Auto Insurance: Helpful Hints.
