When someone needs to buy automotive Insurance in Wichita KS, there are a variety of options even within one particular company’s products. Probably the most fundamental decision will be whether to buy liability insurance only, or whether to add collision or comprehensive coverage. Typically, a person must not be financing the vehicle if he or she only wants liability coverage. The financing company requires additional insurance for asset protection in case of damage to the vehicle.
Automotive collision Insurance in Wichita KS covers the cost of repairs if the vehicle owner is responsible for an accident. That includes striking another vehicle or a stationary object, such as a utility pole or a fence. If the driver slides off the road in icy conditions and hits a tree, collision coverage pays for auto body damage in that scenario as well. If someone else causes the accident, that person’s liability insurance will pay for the damage unless the driver is uninsured or underinsured. In that case, the policyholder’s uninsured driver coverage will apply. As with liability automotive insurance, this particular type of coverage is required by law in Kansas.
Comprehensive insurance covers damage from any other kind of incident not caused by the owner. It will pay for repairs if the driver runs into a deer on the highway, for example. Weather-related damage from a tornado, hail storm or wind also is covered. A large tree branch or any other heavy object that falls on the vehicle and damages it is covered by comprehensive insurance. If someone steals the car or pickup truck and it’s never recovered, comprehensive insurance will provide the fair market value to the owner.
With both of these types of insurance as purchased from an organization such as the Andy Woodward Insurance Agency, the deductible amount is paid out of pocket and the insurance covers the rest. The policyholder decides what deductible is appropriate considering his or her financial circumstances. Choosing $1,000 as a deductible will keep premiums low, but the individual must be able to pay that amount for the vehicle’s auto body repairs if an accident occurs. Contact us to learn more.
