Unique Auto insurance provides financial assistance or compensation to cover losses, damages, and medical expenses after an accident. Depending on the type of coverage you choose, insurance can protect you in the event you get into a wreck by providing liability, collision, and comprehensive protection.
Liability insurance covers the replacement, restoration, or repairs to the other party’s damaged vehicle up and to the policy limits.
Payments for medical bills and physical damage can be extensive. This is why it’s always advised to buy as much coverage as possible. In the long run, it can save you money and emotional stress.
There are More Cars on the Road than Ever
Drivers today are exposed to more traffic than ever before. In California alone, there are almost 15 million registered cars. This is more vehicles than most countries have on their roadways. With more cars comes more risk exposure.
Everyone is continuously exposed to various risk factors that may endanger their safety on the road. This includes other motorists that are impaired or driving recklessly, sudden stops that can end in a multi-vehicle accident, and all the natural elements.
Mother nature alone can wreak havoc on your vehicle by delivering devastating floods, fires, and high winds. This is why many people protect their automobiles with added comprehensive coverage. This is the smart choice for those who own a new or slightly used vehicle.
The good news is that unique insurance services can get you the desired coverage at the cheapest possible rates. Enter your zip code today and see how much you can save.
How Car Insurance Works
Unique insurance can help you get rates on any vintage or classic automobile. Depending on your insurance coverage, you are expected to pay for the premium upfront or make monthly payments. These are known as installment payments. The amount you pay to insure your car depends on various factors, like the type of coverage and the make and model of the vehicle you own. You may be required to pay a higher premium if you have a non-standard car, like a vintage Corvette Stingray.
You first need to make a down payment for your insurance policy to be activated or effect. If you are on a tight budget, don’t worry. There are insurers out there that will start your policy for as little as $20 down. This will fit into just about any person’s budget. Other insurers may charge a little more, but the down payment is needed before your policy goes into effect.
A deductible is an amount you agree to pay after an accident or before your insurance policy kicks in. It can vary slightly, from around $200 to $1,000 or more. Make sure you have all the deductible amount saved, so you can file a claim and promptly get the repairs and medical bills taken care of.
How to Get Unique Auto Insurance
There are various ways and channels for car owners to insure their vehicles. Most people contact numerous insurance agents and brokers. The problem with this is they don’t know if they are getting the cheapest rate. The best way to get the most affordable car insurance is often online.
Companies like Unique Insurance can search multiple providers for the lowest rates. All you need to do is fill out a simple application that only takes about five minutes.
An insurance provider may request specific details concerning your vehicle and other essential information after you submit a quote request. This includes further information about your credit and a brief check on your accident history to get an idea of how much of a risk you are.
After all the necessary facts or background checks, a precise quote will be sent to you, usually via email. At this point, you can either accept or reject it. There is never any obligation to buy a policy when you request a quote.
Types of Coverage Offered
There are several different types of coverage offered. Some of these include:
A. Liability coverage: this type of insurance policy provides financial compensation based on a legal obligation to others due to bodily injury or property damage caused by an accident the driver caused. The liability coverage covers injuries to other people and damages caused to someone else’s property when you or a family member are operating the insured vehicle. Note this policy has specific limitations you should be aware of.
B. Medical payments coverage: Liability coverage only covers injuries caused to other people involved. You, as the insured, will need medical coverage to help pay medical expenses related to injuries sustained by you or your passengers in an accident.
Medical coverage provides payment for hospital bills, rehabilitation, and sometimes lost wages due to a car accident. This coverage comes into effect no matter who was at fault or responsible for the accident.
Uninsured motorist or UM coverage: this coverage protects you if you are involved in an accident with another driver who is not carrying, in the least, liability insurance. It helps pay for your medical expenses due to injuries sustained as a result of getting hit by an uninsured driver.
Underinsured motorist coverage: this type of coverage is offered in many states as additional protection. It’s essential when the other driver has a range but is very limited. This means it cannot fully cover all the medical expenses for bodily injury and other costs. Underinsured coverage will give you additional protection.
How to Handle an Accident
Get to safety: you need to assess the situation and move your car out of danger as soon as possible. This is especially true if you get into a minor wreck on the freeway.
Call the police: even if no one is hurt, it’s wise to have a neutral, unbiased third party to document the events that occurred through official statements and police reports. If you call the police, get their full name, badge number, and a copy of the police report. Having all these details will go a long way in easing the process of filing your insurance claim.
Exchange contacts: getting the contact or insurance information of the other driver involved in the accident is very important. Write down the driver’s name, address, phone number, email, make or model of the car, carrier, license plate, and insurance policy. The more information you gather, the better.
Compare free Unique Insurance quotes online. Please enter your zip code and see how easy it is to save money on auto insurance.