All Wisconsin drivers need car insurance, and it’s not just because the state requires it. Without coverage, drivers are at risk of major financial losses due to damaged property, injuries, and even lawsuits. At Billy Brown Insurance, we are on a mission to help Delafield, and Waukesha area drivers get affordable access to the coverage they really need – not just a bare-bones policy gaping with holes.
We start with a personal assessment of your risks based on the age, habits, and history of the drivers on your policy to determine the likelihood that you may need to file a claim. We also consider other important factors, such as the value of your assets and how much you stand to lose if you are sued. Finally, we make a recommendation for coverage and then help you compare rates from multiple companies to find a policy that suits your needs.
Types of Auto Insurance Coverage
We typically recommend a fully inclusive policy with several different coverage types. Examples of common auto insurance coverages include:
Collison insurance helps pay to repair your vehicle if it is damaged in an accident. If your vehicle is totaled, collision coverage can reimburse you for the cash value of your loss. This coverage helps secure your investment in your car and is often required by lenders when you finance your vehicle.
Comprehensive insurance helps pay to repair your vehicle if it is damaged due to non-collision events, such as hood damage after hitting a deer or hail damage after a big storm. It can also reimburse you for the value of your vehicle if it is stolen or destroyed due to a covered event. Like collision coverage, comprehensive protection protects your investment and may also be required by a lender.
Uninsured motorist protection helps cover your medical bills and lost wages if you are injured by an at-fault driver who has no insurance. Likewise, underinsured motorist protection can fill in gaps left by an at-fault driver’s low-limit coverage.
Liability protection is the part of your Wisconsin car insurance policy that is required by law. It pays for victim injuries and other losses if you are at-fault for an accident. Generally, liability protection is broken down into two coverages – property damage and bodily injury.
Property damage liability covers property you damage with your vehicle, such as a fence, building, or perhaps even another vehicle. When selecting coverage limits, we typically recommend considering every possibility, including damage to high-end vehicles or at-fault accidents that could result in damage to more than one vehicle.
Bodily injury liability protection helps cover the cost of victim expenses due to accident-related injuries. If you are sued, you may have to pay for medical bills, lost wages, punitive damages, court costs, legal fees, and more – all of which could total tens or even hundreds of thousands of dollars. You may be personally responsible for paying any damages that exceed the limits of your policy, so consider this carefully when determining how much coverage you may really need.
Car insurance companies typically offer a wide range of additional coverages beyond collision, comprehensive, uninsured/underinsured motorist, and liability protection. Examples include:
- Towing and roadside assistance
- Rental car reimbursement
- Trip interruption
- Medical payment
- And more
Keep in mind that as an independent agency, Billy Brown Insurance can help you explore several different coverage options to determine which ones are right for you. Perhaps you are interested in new car replacement or a policy that rewards you for accident-free driving. We can connect you with an insurer that offers the benefits you are looking for at a competitive rate. We will also search for applicable discounts that you may qualify for to lower your cost of coverage further.
To find out more about how an independent agent can save you money on car insurance, contact our office for your free quote today.