Auto Insurance with The woj

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Buying auto insurance doesn’t have to be complicated. At The Woj , our agents carefully assess your insurance needs to ensure you get the protection you deserve. Below are key terms you might find on your auto policy, along with clear explanations to help you understand what they really mean. We want you to feel confident and secure every time you’re on the road.

Covers damage that occurs from incidents other than a collision. This includes damage from events such as rock chips, break-ins, or even a run-in with wildlife.

Provides coverage for damage to your vehicle when you’re at fault in an accident involving another vehicle or a fixed object.

Insures against damage caused by your vehicle to someone else’s property in an accident.

Example: If you’re at fault in an accident and someone else is injured, this coverage pays for their medical expenses, lost wages, and other related costs. The limits, such as 250/500, refer to $250,000 in coverage per person and $500,000 in total coverage per accident.

If you’re involved in an accident, regardless of fault, PIP covers medical expenses, lost wages, and other costs for you and your passengers. PIP is a no-fault coverage, meaning it won’t affect your insurance rates. Even if you have health insurance, PIP can be crucial, especially if a passenger lacks adequate medical coverage.

Provides protection if you’re hit by a driver who doesn’t have insurance or whose insurance is insufficient to cover the damage. Your policy will pay for property damage and injuries in such situations.

 Umbrella policies extend your coverage in severe accident scenarios. For example, if you cause an accident resulting in $750,000 in damages, your auto insurance might cover $250,000, and an umbrella policy would cover the remaining $500,000. Without umbrella coverage, you would be personally liable for the difference.

The amount you pay out of pocket when filing a claim. If you’re not at fault, your deductible typically doesn’t apply.

Submitting a claim involves asking your insurance company to cover damages. However, frequent claims can lead to higher premiums, so it’s wise to consult with your agent before filing.

This overview is intended to help you understand your auto insurance options, but it’s important to consider your state’s specific laws and regulations. At The Woj , we’re here to guide you every step of the way, ensuring you have the right coverage when you need it most.