Automotive
No matter how careful you are as a driver, car accidents happen. Whether they are caused by vehicle failure, other drivers, or poor road conditions, it is important to be prepared for the possibility of an accident. Buffalo Insurance can help you find a car insurance policy that is affordable and provides you the coverage you need. We work with hundreds of insurance providers to give you access to car insurance policies that provide maximum protection at affordable rates.
What Is Automotive Insurance?
Automotive insurance is also known as auto insurance or car insurance. It provides protection for you and your passengers from injury, as well as your car from damages caused in an accident. It also offers a certain level of coverage for third-parties who are injured while you are operating your vehicle. There are standard types of car insurance policies with standard types of coverage. However, there are a number of additional coverages and coverage limits that can be added and changed to provide you extra levels of protection.
Who Needs Auto Insurance?
Anyone who drives a car needs to have insurance, including in Norman, Oklahoma. Car insurance is required by the State of Oklahoma for all drivers. However, drivers are only required to have a certain amount of coverage, which is referred to as state minimums. While you are only required by law to carry state minimums for your coverage limits, in most instances they are insufficient. Serious accidents, especially those that involve injuries, can easily exceed state minimum coverages. If you are in an accident and you cause injuries or property damage that exceeds your coverage, you are responsible to pay for it out of pocket. In many instances, trying to avoid paying higher premiums by having minimum levels of coverage can cost you a lot more down the road.
What Do Auto Insurance Policies Cover?
Auto insurance policies provide coverage for three general types of coverage in standard policies: property damage, liability, and medical. However, there are many additional coverages that can be added above and beyond what is included in the standard policy. Working with a knowledgeable insurance professional like the team at Buffalo Insurance is essential to walking you through all of your options. Some of them do not increase your premium by much, but can save you a lot of money in the long run based on what they cover. When it comes to insurance, it is not about finding the cheapest option. It is much more important to find the best value, which means you find a policy with the coverage you need at a rate you can afford.
Property Damage
Property damage covers a third-party if you cause any damage while operating your vehicle. That includes damage to other vehicles or someone else’s property, such as a fence or mailbox.
Bodily Injury
Bodily injury coverage covers the costs of injuries or death of third-parties that result from you operating your vehicle.
Medical
Medical coverage is also known as personal injury protection (PIP). This covers any injuries caused to you or your passengers while you are operating your vehicle.
Additional Coverage
There are so many more types of coverage that are available to be added as a rider or standalone policy to augment your car insurance coverage. There is uninsured motorist coverage, which reimburses you if an uninsured motorist is at fault in an accident with you. You can also add collision coverage, which covers you in the event you damage your car by hitting an object, such as a fence or guard rail. Another type of coverage you can add is comprehensive coverage, which covers your car from theft or damage by external events like hail.
Buffalo Insurance Has the Car Insurance Policy You Need
Buffalo insurance is proud to be a staple in the business community of Norman, Oklahoma. Car insurance protects families in one of the most common dangers we all experience, car accidents. While there are standard car insurance policies, there are a number of different riders, amendments, and additional protections available. Every insurer provides different types of coverage. One of the strengths of joining the herd is that we give you access to hundreds of policies from America’s best insurers. This allows us to tailor an auto insurance policy that is specific to your coverage needs and fits within your budget. We treat every client we work with like our own family, which is why we work tirelessly to protect you and your car. Contact us today to experience for yourself the value and comfort that comes from being a part of the herd.
