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For serious accidents, you want enough insurance to cover a judgment against you in a lawsuit without jeopardizing your personal assets. Therefore, it's a good idea to have the same level of bodily injury coverage for all your cars. You may also want to consider an umbrella policy which provides additional coverage for more serious accidents and lawsuits.
Shopping for car insurance? You've come to the right place! State Farm keeps you and your family covered with great auto insurance that's also a great value. Get an online auto insurance quote, or find a car insurance agent or representative, any time, day or night. Either way, you'll learn how competitively priced auto insurance from the industry leader can be.
Recent traffic accident data from the U.S. Department of Transportation’s (DOT) National Highway Traffic Safety Administration (NHTSA) noted a small decrease in American roadside deaths in 2017 (37,133) compared with 2016 (37,461). This number has been steadily increasing since 2013 before its recent drop. The U.S. Secretary of Transportation Elaine L. Chao recognized this downward trend, but also expressed that there’s still work to be done to decrease roadside deaths significantly. Here’s what we can learn from recent accident data.
Car insurance will prove a benefit if you ever experience a wreck, vehicle theft or other unpreventable problem on the road. The policy can help pay for such concerns as your own vehicle damage, injuries and related costs. Coverage can also pay for the damage you cause others if you are deemed at-fault in a wreck. With your policy, you can reduce your chances of significant financial losses after an unfortunate accident.
Safe Auto Group Agency, Inc and/or its affiliates (“Safe Auto”) is located and operated exclusively in the United States of America. Safe Auto does not offer goods and/or services in any language of an European county, does not deal in any European currencies, and does not underwrite risks for or issue policies to individuals or companies located in the European Union.
Texas is a big state and all Texas drivers know that—especially when they get in the car to drive on some of the three-quarters of a million miles of road in the state, the most in the country and 70% more than the number-two state California. This means some long drives between cities, towns and sometimes even neighboring homes, which is why it's important for Texas residents to make sure that both you and your car are protected.
Meeting the minimum car insurance requirements does not mean you’re adequately insured. In fact, insurers will see this as being underinsured. In Illinois for example, a $20,000 property damage liability coverage isn’t enough if you collide with a high-end vehicle. The repairs alone will quickly eat up your coverage. After it’s all used up, you’ll have to pay out-of-pocket.
In the states with no-fault insurance, insured drivers are typically paid for medical expenses by their own insurers, regardless of who caused the accident. Nonetheless, BI liability coverage is still required in no-fault states because if injuries are bad, the at-fault driver may be sued by the injured party. If that happens, your BI coverage can help cover your liability expenses.
However, if you have to provide full insurance for your bike throughout the year, you can ask to have your deductibles increased and your limits of liability lowered on a temporary basis. Your insurance premium is lowered with this setup, so you’ll be offered more affordable motorcycle insurance. In addition, risk of damage and loss to your bike while it’s in storage is minimal. There’s a good chance you won’t have to pay the high deductible.
Apart from the right equipment, a good motorcycle insurance policy is essential in keeping your travels safe. Here at Oxford Auto Insurance, we offer low-cost motorcycle insurance that may have comprehensive coverage, increased liability limits, and even roadside assistance plans. We have decades of experience in providing affordable auto insurance in Chicago, and we’re always striving to give the best service for our customers.