Keep in mind that you can’t buy insurance after you have an accident. Carefully considering the position you may be in, if you should ever be in an accident, is important.
In most states, you’re required by law to carry car insurance. It's easy to think all car insurance is created equal. And if all insurance is alike, what difference does it make where you get your coverage?
At Soliman Insurance & Financial Services, we build lasting relationships and make our clients a part of our family. Our mission is to honor God in everything we do and to love our members as ourselves. We are always a simple phone call away for all of your insurance needs. We work consistently to provide optimal communication to our clients so they can stay informed. There is always a live agent available when you call. With our seamless and straightforward process, you will find ease working with us for your insurance needs.
Personal auto insurance covers private use passenger vehicles. Auto insurance protects against monetary loss to the insured from bodily injury and property damage to others due to operating, maintaining, or using a covered vehicle on a policy. Coverage and required minimums vary by policy and state. Knowing the kind of car insurance that you need can prove to be a tedious venture. Utilizing an agent, Soliman Insurance & Financial Services will ensure that you have a policy that fits your budget without sacrificing coverage.
There are five main types of coverage: liability, collision, comprehensive, personal injury protection, and uninsured/underinsured motorist protection. Each type of coverage has its primary category, but you will have variations in coverage available with each insurance provider.
Liability is the minimum level of coverage a driver can have. Liability protects the driver if they are held responsible for an accident. This kind of coverage includes damages, medical expenses, lost wages, and other consequences suffered by those injured due to an accident.
With comprehensive coverage, you receive complete coverage that includes replacing your vehicle if it is stolen or damaged by a natural disaster.
Collision covers damage to your vehicle due to an accident, no matter who is held liable. It can also cover damage to property. Collision coverage offers a provision of replacement if your vehicle is totaled.
Personal injury protection covers costs associated with medical bills for the drivers involved in an auto accident. Medical expenses can add up quickly. No matter who is found to be at fault, you and the other driver’s medical bills will fall under this category of coverage with personal injury protection.
While laws mandate that all drivers be covered with auto insurance, not all drivers are. Uninsured motorist protection protects you in this scenario.
Some drivers may not have enough insurance to cover all of the costs associated with an auto accident, especially if the other driver has the bare minimum in coverage. Underinsured motorist protection protects you in this scenario.
When you work with an independent agent at Soliman Insurance & Financial Services, you get an independent agent who has your best interests at heart when advising coverages for your unique needs. We are not tied to any specific policies, products, or carriers. We will find you policies that fit within your budget without sacrificing coverage. We focus on relationship building so we can get to know your unique situation and needs. We have relationships with several different insurance carriers to get you into the best policies for your insurance situation. We work for our clients, not the insurance carriers. Call to meet with an agent today!