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Three Common Questions (And Answers) About Auto Insurance

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Protecting yourself against the financial risks that come from driving a car is an important task for anyone to do. Even a seemingly minor auto accident can result in extremely expensive repair costs and medical bills. Unfortunately, there are many people that are not very informed when it comes to auto insurance policies, but learning the answers to the following questions concerning these policies will make it easier to make sound choices when it comes to this protection. 

Will You Be Able To Choose Where Your Car Is Repaired?

Following an auto accident, it can be easy for individuals to make the assumption that the insurance company will be dictating where the repairs are done. However, there are laws in place that ensure individuals are able to choose the repair provider of their choice. While it is normal for insurance companies to provide customers a list of preferred local repair providers, you will be free to choose a licensed repair service that is not on this list. 

How Are Medical Expenses Handled With An Auto Insurance Claim?

The medical expenses from an auto accident can be among the most expensive repercussions from an accident. A standard liability auto insurance policy will provide some coverage for these expenses. However, it should be noted that medical costs can quickly surpass the policy limits. When this occurs, you will be responsible for any remaining medical expenses that must be paid. Fortunately, it is possible to greatly mitigate this risk by opting to invest in a personal injury protection plan. These plans are separate from standard liability, and they are typically better suited for addressing medical expenses because they have far higher coverage limits than many basic liability policies. 

Are There Any Steps That Can Be Taken To Reduce The Costs Of Your Policy?

For those that want to get the best deal possible on their insurance, there are a couple of steps that can be taken to help reduce the cost of the policy's premiums. In particular, enrolling in a defensive driving course can help to reduce the price of these premiums. However, you may need to attend a defensive driving course that is recognized by the insurance company; your insurance agent will be able to provide you with a list of local and internet-based courses that will be accepted. Additionally, you may be able to secure an additional discount by paying the entirety of the policy premiums at once rather than on a monthly basis, but this can vary from one insurance company to another. 

Talk to a company like Griffin-Rahn Insurance Agency Inc. about any other insurance questions you have.


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