Auto Insurance
Car insurance is required
In the State of Maine, you are required by law to carry car insurance. It's easy to think all automobile insurance is created equal. And if all insurance is alike, what difference does it make where you get your coverage?
What’s insurance for, anyway?
Car insurance works as a safeguard for your financial well-being. Your policy protects you up to certain limits, which you and your insurer have agreed upon.
Suppose you are involved in a collision, theft, or other auto incident beyond your control. In that case, your car insurance company can help you pay for your vehicle repairs, medical expenses, and damages or injuries you caused to others while driving, depending on your coverage. Car insurance can also protect you if you’re involved in an incident where another uninsured or underinsured driver is at fault.
There is a difference
You may think you want the cheapest insurance you can find, but cheap isn’t everything. You cannot foresee the future to know whether or not you will have an automobile accident. If an unfortunate scenario does come to fruition and you are not adequately covered, having the cheapest insurance could make life more difficult and cost you much more in the long term. Preparation and understanding your insurance needs are the keys to being an educated consumer and protecting yourself, your family, and others.
It is imperative to consider the position you would be in if you should ever be in an accident because you cannot buy insurance or extra coverage after you have an accident. With the expertise of our agents at Darling Insurance Agency, we can help you thoroughly evaluate your situation and ensure that you are well-informed before you make a decision.
Life also has a way of changing things, both big and small. As a result, it’s essential to review your insurance needs and revise policies as your life necessitates. We’re always here and can assess changes in your life and assist you with changes to your policy to fulfill your coverage needs and maximize your savings.
Auto insurance: required and additional protection
Insurance protects you and your assets in case of loss, injury, or damage caused by you or someone else using your vehicle with your permission. Auto insurance usually consists of the following protections:
Coverages that are required by the State of Maine:
- Liability for bodily injury and property damage
- The minimum limits required by the State of Maine are: $50,000 bodily injury per person $100,000 per accident with $25,000 in property damage or a combined single limit for bodily injury and property of $125,000
- Medical Payments
- The minimum limits required by the State of Maine is $2,000 per person
- Uninsured Motorist Protection
- The minimum limits required by the State of Maine are: $50,000 bodily injury per person $100,000 per accident with $25,000 in property damage or a combined single limit for bodily injury and property of $125,000
Minimum coverage is just that: the bare minimum. It does not necessarily mean it’s the coverage you’ll need in the event of a severe accident.
Available, but non-required coverages:
- Comprehensive
- This coverage is not mandated by the state but is usually required by your lender or lessor.
- Collision Coverage
- This coverage is not mandated by the state but is usually required by your lender or lessor.
But additional protection may include:
- Emergency Road Service
- Rental Reinbursement Coverage
- Vehicle Replacement Coverage
Why We're Different
While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy tailored to you.
After all, there’s no such thing as a one-size-fits-all insurance policy. You need to be educated about the various options available to you and then make an educated decision on what best fits you and your family’s needs.
The best time to understand and know what you have for coverage and deductibles is before an accident.
If you don’t understand insurance, we want to talk to you so we can provide you with the proper information to make that informed decision before that accident. Accidents do happen. Know your coverage beforehand.
Contact us today, and we’ll help you protect what matters most.