Throughout Virginia Beach, VA, the roads can be difficult to navigate. All it takes is one person to slam on their brakes or skid on ice for there to be an accident. Even when you’re not on the roads, it’s possible to experience vehicle damage. As such, you want to have full coverage auto insurance.
At Armor Insurance Group, we explain full coverage auto insurance as a combination of liability insurance (what the state requires) with comprehensive and collision coverage. All of these are important because of the various scenarios that they can be used in. if you get into an accident with another vehicle, the liability coverage will take care of the other vehicle if you were at fault. The collision coverage protects your vehicle in a collision, whether it’s with a guard rail, a mailbox, or another vehicle. Then, comprehensive coverage takes care of all of the non-driving incidents, such as a rogue shopping cart, a hit and run, or a rock to the windshield.
You never know what’s going to happen and when. Vehicles can be expensive to repair and you don’t want to pay for it all out of pocket. It only makes sense to have as much coverage on your vehicle as possible.
When you have what’s known as ‘full coverage,’ you have the protection to take care of your vehicle if it’s been an accident, vandalized, or damaged in some other way.
You don’t want to get into a situation where your insurance company denies your claim. It makes sense to have full coverage auto insurance in Virginia Beach, VA. When you’re ready to shop for a policy that works for your needs and your budget, contact us at Armor Insurance Group. One of our agents can ensure that you have the policy to provide peace of mind.
If you’re like most car owners, you probably have reservations about loaning out your car. Having someone borrow your car, even occasionally, can be risky, especially if you’re not sure they’re covered under your insurance policy. Understanding how your car insurance works can help alleviate any doubts you may have concerning “guest” drivers. Here are a few ways in which auto insurance from Armor Insurance Group in Virginia Beach, VA, protects family and friends when they borrow your vehicle.
Family (Household Members)
Relatives who live with you are considered members of your household and are automatically covered by your auto insurance when borrowing your vehicle, as long as they have a valid driver’s license. This includes a son, daughter, sibling, spouse, parent, etc. Even a friend who lives with you full time is protected by your insurance coverage. Your insurer may even require you to list these people on your policy to avoid misunderstandings concerning coverage.
Extended Family Visiting Your Home
Relatives who borrow your car while visiting your home are also protected by your insurance if they have a valid driver’s license and you permit them to drive the vehicle. As a precaution against accidents, you may want to limit vehicle borrowing to safe drivers.
Friends will also be protected under your car insurance policy if they have your permission to borrow your vehicle. Permissive use comes in handy when going on long road trips as you can share driving responsibilities. Drivers who aren’t on your policy, however, may receive less liability coverage if they were to have an accident when driving your vehicle.
Through permissive use, family and friends can be protected by your auto insurance when borrowing your vehicle. Quality insurance coverage from Armor Insurance Group in Virginia Beach, VA will ensure you and others receive the protection you need.
As we all know, a lot can change in a year. As you drive throughout Virginia Beach, VA, you might get a traffic ticket, get into an accident, or something else. This gives you an important reason to review your auto insurance policy on an annual basis. At Armor Insurance Group, we have independent insurance agents that can work with you on the entire process, too.
Is the coverage that you have still sufficient? If you have had accidents in Virginia Beach, VA where you have to pay a significant amount of money out-of-pocket, you might want to increase your coverage as a way of providing additional protection. Such forms of protection include comprehensive and collision coverage.
Your rates may have gone up. Additionally, things may have changed with you that would allow you to get discounted rates. Becoming a student, getting married, and various other things might entitle you to discounts. It’s a good idea to get quotes from at least three or four auto insurance companies. This will allow you to make some comparisons to see what the cost of insurance is going to be for the New Year.
If you have had problems with the insurance company that you have your policy with, it might be time to look at changing to a different company. If you have had problems logging into your online portal, communicating with them, or even paying your bill, they might not have the best reputation within the insurance industry. There are plenty of other companies, so it might be a good time to make the switch.
At Armor Insurance Group, we work with some of the top insurance companies that provide insurance in Virginia. Call and talk to one of our agents today and let us help you explore the various options that are available to you.