–Automobiles are an important part of our everyday life. Make sure you are protected with the right policy. The right policy can ensure that you get back on the roads quickly if an accident were to happen.
–At Tipton Hill Insurance we work with multiple providers to ensure that the policies mold to the varying needs of our customers.
–In addition to insuring cars, we also ensure motorcycles, ATVs, motor homes, jet skis, and even boats.
In most states there is a requirement to carry insurance. While these policies vary by states, common insurance requirements are:
Liability coverage — to pay for the losses you may cause to others, or
No-fault coverage — to pay your passengers and you for medical and other expenses, regardless of whose fault it may be, or
Both liability and no-fault coverage
Collision insurance pays for the damage that may be caused to your vehicle in an accident. This collision insurance will cover repairs up to market value. There is often a deductible with this form of insurance. If you are willing to pay a higher deductible, the cost of the policy will be lower.
Comprehensive Insurance (Other Than Collision)
Comprehensive insurance covers damage to your car other than collision. This can include accidents such as your car being stolen or vandalized. Floods, hurricanes, thefts, windshield damage and fire are also incidents that are often covered under comprehensive insurance. Comprehensive coverage will pay up to the market value of your car minus your deductive Comprehensive coverage is not required by any state, but it is highly recommended (especially if your car is financed).