What You Should Look for When Reading an Auto Insurance Policy

Read Through Your Auto Insurance Policy 

Although not many motorists enjoy reading and researching car insurance policies, it is an important part of being able to drive. Your auto insurance in Valatie, NY is a legal contract between yourself and the insurer. That is why it is so important to read through the policy and ensure you understand it all. Be sure to read through the following.

Declaration Page

This section gives an overview of the policy and who is covered. It will also state the duration of coverage, a short description of the type of coverage, and the amount of protection you’re purchasing.

Insuring Agreement

This is where you will find information about the type and amount of coverage you are purchasing. It will detail what you should do if you are in a collision and need to file a claim. In the insuring agreement, you will also find details about exclusions and deductibles.

Types and Amount of Coverage

This portion of your insurance policy tells you exactly what you are paying for and how much coverage your policy provides. It will detail bodily injury liability, property damage liability, and collision coverage. If you opt for optional coverage, you will find information about comprehensive, uninsured and underinsured motorist, and medical payments coverage, too.

Conditions

Here, you will find out your obligations, such as payment details, how to file a claim, and how to cancel your policy if needed.

Make sure that you read through a  policy before purchasing it! When you are looking for reliable auto insurance from an agency you can trust, be sure to contact the team at Kneller Agency. Serving Hudson, Valatie, Millerton, Red Hook, Millbrook, and neighboring cities, we can help you find reliable car coverage.

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