Finding the right auto insurance policy is very specific to each person’s needs. The team at ALLConnecticut Insurance is here to help residents of West Hartford, CT find the best plan. 

The basic types of coverage you can elect to get include:

• Collision
• Comprehensive
• Medical/ personal injury 
• Liability
• Uninsured/ underinsured

Collision insurance

This type of insurance covers any damage to your vehicle in an accident. This coverage typically pays for your vehicle’s repair only. If the repairs or damage costs more than the car is worth, the insurance company can declare the vehicle a loss, and will instead give you a lump sum of the vehicle’s value. 

Comprehensive coverage

This covers non-accident damage, like if your vehicle is damaged or totaled in a bad storm or fire, or if your vehicle is stolen. 

Medical coverage & personal injury 

Medical coverage covers reasonable expenses for you and any other people in the car, regardless of which driver was at fault. 

Personal injury is very similar to medical coverage; the biggest difference is in the policy limits. They are typically higher than standard coverage, with higher premiums and a deductible you must meet. 

Liability coverage

Liability insurance protects you in the event that you cause an accident and someone becomes injured or their property does. This includes bodily liability insurance and property damage liability, for cases where vehicles or personal property is damaged or destroyed. 

Uninsured/ Underinsured coverage

Uninsured motorist coverage pays some of the damages done to you in an accident when the person at fault does not have insurance. 

There’s a lot to understand about auto insurance and the various coverage options. Contact ALLConnecticut Insurance if you’re located in the West Hartford, CT area and we’ll get you set up. 

While Connecticut law requires $25,000 in coverage per person per accident for bodily injury liability, the reasons for investing in auto insurance in the West Hartford, CT area are plentiful. 

Connecticut has some truly beautiful scenic routes, quaint towns to visit on the weekends, and many people commute to work each day. There are a lot of drivers on the road, and the team at ALLConnecticut Insurance wants to make sure you are properly informed and covered to protect you in the event of an accident or incident. 

Connecticut also requires mandatory uninsured and underinsured motorist coverage for all drivers, so even if you’re in an accident that isn’t your fault and the other driver has no insurance, you’re still covered. And that’s peace of mind you just can’t put a price tag on. 

While you may be the safest driver on the road, always paying attention, driving defensively, and being ultra-cautious… you can’t control what the other people on the road are doing. Distracted driving is a leading cause of accidents today. Whether people are texting and driving, running a conference call from the car, or scrolling social media… accidents happen every day due to driver negligence that is totally out of your control.

What you can do to be proactive about your financial situation is invest in a quality auto insurance plan with the proper coverage and an exceptional team backing you up. This is the best way to prepare for anything. 

The team at ALLConnecticut Insurance is educated, experienced, and trustworthy. We want to work with you to customize an auto insurance plan that meets your needs and fits within your budget. If you’re looking for a better auto insurance policy and you’re in the West Hartford, CT area, contact us today.