What is car insurance and do you need it?
Car insurance exists because car accidents happen. The consequences of an accident can be extremely expensive or devastating depending on the situation. The great thing about car insurance is that it is there to shield you from these expensive or devastating consequences. Auto Insurance can provide financial protection against collisions, physical damage, and injuries due to the accident.
At the Alex Ruiz Agency, we can provide quality car insurance for drivers across the Dallas Fort Worth, Texas area. Because of our agency’s roots in Chicago, we are also happy to provide vehicle insurance to drivers looking to move or relocate from Chicago to Fort Worth, Texas. Give the Alex Ruiz Agency a call at 817-480-8031 or Submit a Contact Form to receive a quote.
What is the minimum insurance coverage I should have?
Liability insurance coverage is the only coverage required in all states to be able to drive a vehicle. Some states require a little more coverage including uninsured motorist coverage, medical payments coverage, and personal injury protection. Liability coverage helps pay for another person’s medical bills or property damage if you get into an accident. Uninsured motorist coverage is pretty self-explanatory, meaning that it will help cover your own expenses if you get into an accident with another driver that does not have insurance at all. Medical payments coverage is there in case you have passengers in your vehicle and any of them are injured in your car accident. Personal injury protection can assist with your own hospital bills or lost income If you are not able to earn money through work temporarily.
What if I get into an accident?
It can be very hard to remember exactly what to do if the worst case happens. The most important thing is to remain calm and make sure you and any passengers are ok. We can never predict where these accidents happen, whether it’s the middle of a busy road, a highway, or a parking lot. In some cases, you might have to pull your vehicle to a safer spot if it is possible, especially if you are on a busy road. The next thing you do will kick off the car insurance claim process. You need to call the police, have them document the accident, and have an official police report filled out. The next thing you should do is exchange information with the other driver. Be sure to take photos of their license plate and their insurance card. Also, be sure to take pictures of both vehicles showing any damage or dings. The last thing to do is notify your car insurance provider. They should be able to tell you exactly what you will need and even help you get the vehicle towed.
Get a Car Insurance / Auto Insurance Quote Today
The Alex Ruiz Agency can accommodate your car insurance needs around the Dallas Fort Worth area. We have many different options to make sure you have the coverage you need in case the worst happens. You can call the Alex Ruiz Agency at 817-480-8031 or Submit a Contact Form to receive a no-obligation quote right away.