All sorts of things can happen when you own a vehicle. While most happen when you’re behind the wheel, some things can even occur when you’re parked. Knowing that you have the coverage you need in Montgomery, AL, can provide you with significant peace of mind. At Bridgeway Insurance Group, we’re here to talk to you about protecting your journey.
The State Required Insurance
When you live in Alabama and drive a vehicle on the roadways, you are required to have proof of insurance. The state minimums focus on liability for bodily injury and property damage.
Having the bare minimum ensures that you have met the state’s requirements. However, your policy may not have sufficient coverage if there’s a major accident. This is why it can be advantageous to work with an insurance agent. You can learn where the gaps in coverage exist.
Adding to Your Coverage
First and foremost, you must consider whether the state minimums are enough regarding liability protection. If there’s significant property damage or bodily injury, you may be required to pay out of pocket when your policy doesn’t have enough coverage.
There are also instances where you may need something beyond liability coverage to file a claim. This includes everything from being hit by someone without insurance to a rock randomly cracking your windshield.
Some forms of coverage to explore include:
- Collision coverage
- Comprehensive coverage
- Uninsured motorist
- Tow coverage
- Rental coverage
By exploring the many options that exist for auto insurance, you can make a more informed decision about your policy.
Customizing Your Policy
A customized policy allows you to meet the state minimums for auto insurance in Montgomery, AL, and get the added coverage that makes sense for you.
It’s important to consider the cost of insurance premiums and coverage to reduce the amount of out-of-pocket expenses you may have to endure.
Contact us at the Bridgeway Insurance Group today to start building your policy.