Many insurance policies boast their “low prices” or “extra savings” when switching to their policy. At OceanPoint, we always try to find the best price for our customers, but we do so keeping in mind that auto insurance isn’t just about protecting your vehicle – it’s about protecting your loved ones inside your vehicle.
When determining the right coverage for you, we often take into consideration two important coverages that are more about you and your loved ones, than about the vehicles damaged in an accident.
Uninsured/Underinsured Motorist coverage will protect you during an accident with someone who does not have any auto insurance or did not have enough insurance to cover the damages. This coverage can pay for your medical bills as well as those of the passengers in your car. Depending on the laws in your state it can also cover the damages to your vehicle, pain and suffering, loss of income, or loss of care and services.
Bodily Injury Liability covers medical expenses, pain and suffering, lost wages, and other special damages incurred from an accident in which you are legally responsible for accidently injuring someone else.
The next time you’re tempted to go with an insurance policy that can lower your rates by reducing your coverage, remember, your policy is meant to not only protect your vehicle, but also to protect those you care about inside it.
For more information about the coverages associated with your auto insurance policy, contact OceanPoint Insurance Agency in Barrington at 401-245-3900, or in Middletown at 401-847-5200.