Deciding what types of automobile insurance coverage to include in your policy requires finding a balance between the level of risk you are comfortable carrying and your budget. On one hand, you do not want to pay too much for you Willimantic insurance in CT. On the other, you do not want to be left without adequate protection should you be involved in an auto accident or incur other damage to your vehicle.
Basic liability coverage is absolutely necessary for every vehicle. Additional coverage added to Willimantic insurance in CT policy may be beneficial, though, for very little money. Other additional coverage that may be especially beneficial is uninsured or underinsured motorist coverage. This protects you against costs that you may incur if you are involved in an auto accident with a driver that does not carry adequate insurance or does not carry auto insurance at all. Medical bills from auto accidents can easily run into the thousands and hundreds of thousands of dollars. You cannot count on other drivers to be fully or properly insured.
Liability insurance also does not cover damage to your vehicle. It will only cover your responsibility to other drivers should you be at fault. While that is important, it does not help you get your car repaired or replaced. This is where collision coverage comes in. Additionally, it may be wise to include comprehensive coverage which will protect your vehicle from other causes of damages like fire or theft.
While every addition that you make to your Willimantic insurance in CT will cost you a little more each month, the benefits may outweigh the costs. Talk to an insurance agent near you to weigh your budget against the benefits of additional coverage options.
Visit the Byrnes Agency website for more information.