A car or truck is often your biggest asset aside from your home. Auto insurance protects against potentially crippling financial losses and the sheer inconvenience of being without transportation.
Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it's not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health plan.
Medical payments coverage or Personal Injury Protection, depending on where you live, can help cover some medical expenses and funeral expenses of covered drivers and passengers after an accident. The exact requirements, limits, and coverage can vary by state, so it's important to understand what's required where you live.
Note: Actual policies must be consulted for specific terms and conditions.
It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.
Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.
Note: Actual policies must be consulted for specific terms and conditions.
Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.
Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.
Note: Actual policies must be consulted for specific terms and conditions.
What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.
Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.
Note: Actual policies must be consulted for specific terms and conditions.
When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else's property. The amount required, if any, can vary by state.
The property damage portion of your auto insurance policy protects you if your car damages someone else's property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.
Note: Actual policies must be consulted for specific terms and conditions.
When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.
Rental coverage/ loss of use is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.
Note: Actual policies must be consulted for specific terms and conditions.
Imagine your daughter just graduated from college and landed her first job. She was excited to start her new life as an independent adult and decided to buy her first car. She saved up for months to purchase a used vehicle, which quickly became her prized possession.
One day, on her way to work, Sara was rear-ended by another driver at a red light. The impact was severe, and her car was totaled. Sara was shaken up and in shock, but fortunately, she was not injured.
Sara called you devastated at the thought of losing her car, her only mode of transportation. However, she soon realized that she had purchased auto insurance, which covered the cost of the damage to her car. The insurance company provided Sara with a rental car and handled all the paperwork, making the process as stress-free as possible. Sara was able to focus on recovering from the accident while the insurance company took care of the financial burden.
Even though she initially thought it was an unnecessary expense, Sara realized how important it was to have auto insurance. She learned that accidents could happen to anyone, and having insurance was a safety net that protected her from the financial burden of repairing or replacing her car.
Sara knew that being prepared for the unexpected was essential, and auto insurance was a necessary part of that preparation.
Prepare for the unexpected with SOGO Insurance. Call one of our experts today and get a quote to fit your needs!
We’re an independent insurance agency offering a comprehensive suite of insurance solutions to protect you from the unexpected.
We don’t just sell insurance. We work closely with clients to help them make important and informed decisions every day when it comes to protection and their future.
We offer comprehensive insurance solutions throughout Texas, as well as surrounding areas including, Helotes, Schertz, New Braunfels, Cibolo and Bexar County.
At SOGO Insurance, we strive to provide a true, concierge client experience which is unique in the insurance industry. We give clients the power of choice from top-rated national and regional insurance carriers.
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