Automobile insurance is a tricky thing. While your state law requires you to have it, you might feel as though it is something that you continually pay for without ever seeing real value. This is a reasonable feeling, as insurance isn’t an object that you can place on a shelf in your home or hold in your hand—it’s an intangible thing.
However, most people are getting more than meets the eye each time they write out a premium check. Here are three things you get when you purchase car insurance.
#1: Friendly Claims Handling
One of the most important things you purchase when you pay for car insurance is friendly claims handling. While most people who take out an auto policy will never even file a claim, if an accident happens it is nice to know that there is someone on your side. Furthermore, they are there specifically to help you sort out the details of body shops, rental cars, and dealing with the other driver’s insurance company; all tasks that can be incredibly frustrating if you aren’t sure where to start.
#2: Legal Assistance
Another service you are getting with your automobile insurance is a moderate amount of legal assistance if you are involved in a car accident. If the other driver or their insurance company decides to file a suit against you, it is your insurance carrier’s responsibility to help represent you. And believe it or not, insurance companies usually have an entire team of legal experts on hand to assist as needed.
(Note: Of course, every claim situation is different and depends on the circumstances at hand. However, this is a blanket statement that encompasses most automobile insurance policy carriers.)
#3: Peace of Mind
The third thing you really get when you purchase automobile insurance is peace of mind. By making sure you have appropriate coverage long before an incident takes place, you can sleep soundly at night knowing that you won’t have to pay a large sum out-of-pocket if you ever have a claim.
Robert Macoviak is the President of Oyer, Macoviak and Associates. Oyer, Macoviak and Associates is the oldest independent insurance agency in Boynton Beach and has been in business since 1953. Oyer, Macoviak and Associates are vested members of the community who are committed to doing business face-to-face and being your insurance advocate in times of need.