It can sometimes be difficult to determine exactly how much insurance coverage is necessary for a vehicle. However, there is a surefire way to determine whether your car is adequately covered. Here are some things to consider, so you can ensure that your vehicle is properly covered in case an unfortunate event were to occur, making it necessary to file a claim. Serving the greater Rochester, NY region, Bajorek Agency Inc. is here to assist.
Adequate Auto Insurance Coverage
Whether Your Vehicle is Paid Off
If you’re still making payments on your vehicle, then you are required to maintain full-coverage insurance until you’ve paid off the loan. The finance company could opt to repossess your vehicle if they discover that you don’t have adequate insurance coverage. If you own your vehicle free and clear, then full-coverage insurance is always recommended but not mandatory.
How Often You Drive
The more often you’re out there on the road, the greater the chances are that you’ll become involved in a car accident. So, if you drive frequently, then even if your car or truck has been paid off, you might want to consider a full-coverage policy. You can never predict when a car accident might occur, and having full-coverage insurance can ensure that any damage to your vehicle is covered, as well as anyone else’s if you’re found to be at fault.
On the other hand, if you rarely drive your vehicle and it is frequently stored in your garage, then liability insurance will likely suffice as long as you’re not making payments.
Schedule A Consultation Today!
If you’re a Rochester, NY resident and you’re seeking a new insurance company for your vehicles, we at Bajorek Agency Inc. provide all types of coverage for New York residents. We are proud of the top-notch customer service that we provide, and we’re ready to provide you with that same great service. Give us a call today, so one of our knowledgeable agents can provide you with a quote.