Wondering which auto insurance plan is the best and most affordable for you? Mclean Insurance advisors can help!
Auto insurance can provide:
Vehicle Protection – Helps replace or repair your vehicle in the event of an accident.
Asset Protection – Covers you against liability claims even when you are driving a rental or borrowed vehicle.
5 Types of Auto Insurance Coverage
Property and bodily damages caused by you to others are paid through liability coverage. Examples of covered items include lost wages, hospital bills along with other medical expenses, property damage and/or loss and pain & suffering. Liability insurance also pays for court costs and defense costs in case of a lawsuit.
Collision insurance covers damage to a vehicle (less the deductible) or a vehicle you have rented that is caused when you collide with another car or object.
Comprehensive insurance covers damage to a vehicle from fire, theft, floods, storms, or collision with birds or animals. Although not required by all states, comprehensive insurance can be required by a lending agency or bank if the vehicle is leased or financed. McLean Insurance advisers can also help you attain replacement cost coverage on newer vehicles – as little as 1 year old. This coverage is available for an added price but may be important for individuals with higher end vehicles. It is important to remember that companies like GEICO simply don’t offer such an option!
Unfortunately, there is a group of motorists on the road everyday that is uninsured or under insured. If you were in an accident with such a driver and injured or the vehicle you were driving was damaged then uninsured motorist coverage will provide coverage.
Medical coverage pays medical charges for all the passengers traveling in your vehicle (including yourself) that are involved in an accident. For details on which drivers should consider this insurance, please read our blog on medical coverage insurance (Medpay).
Stated Value V. The Agreed Value.
For over 45 years, McLean Insurance has combined our resources as a full-service independent insurance agency with our unsurpassed expertise in risk reduction, business best practices and personal wealth management to help our clients build brighter, more secure futures. How can we help you?
Why Choose McLean Insurance
For Your Auto Insurance?
Insurance Carriers We Represent
A: As previously mentioned, each state sets its own minimum coverage level for liability insurance. However, the minimum coverage may not be enough, especially in the DC metro area where high-end vehicles are very common. This is why we highly recommend discussing your ability to afford damages greater than your coverage limits with our auto insurance expert prior to making a final decision.
A: Since most states require motorists to have a minimum liability insurance, we recommend that you consult with a Mclean Insurance expert or visit Department of Motor Vehicle’s website to learn how much auto liability insurance is required in your state.
A: Damage caused by hail, wind, fire, theft, flood, and vandalism are all covered by comprehensive insurance.
A: There are several advantages of using an independent insurance agent. For starters, we have access to multiple carriers. This allows us to ensure that you are afforded the best coverage at a competitive price. We can also save you time and hassle of shopping multiple carriers. Most of all, our knowledgeable advisors look out for your best interest and can offer guidance on important topics that may not be familiar to you.
A: Increasing your deductible is one way to lower your premium. Please remember that doing so will increase your out of pocket expense in case of an auto accident. Many insurance companies also offer reduction in premiums for being a good driver. Therefore, driving carefully can ensure lower premiums. Also, bundling your coverage to include your homeowners and auto insurance policy with the same carrier can significantly lower premiums.
A: Generally, an insurance carrier will not drop you after one loss, however, in case of frequent losses, your coverage could be jeopardized. As a Trusted Advisor, we will help you to navigate the claims arena.
A: The purpose of insurance is to protect you from economic ruin in the event of a catastrophic loss. With that said, the deductible is the amount of out of pocket expense you will have when filing a claim. The larger the deductible, the lower your premium, but you must be able to financially absorb that portion of the loss if you need to file a claim.
A: Yes! Mclean Insurance works with many insurance carriers that offer a large discount when they cover multiple policies. This is especially true for bundling homeowners and automobile coverage. Also, bundling allows the Mclean Insurance team to fully understand and assess your coverage needs so we can create a personalized coverage back that completely covers your exposures, while maximizing all available discounts.
A: State minimum limits will most likely not provide enough protection in the event you are sued as a result of a lawsuit filed due to an auto accident. The state minimums will probably not protect you in the event something terrible happens.
A: Your auto insurance policy will provide rental car coverage, to the fullest extent that your policy has coveage. If you have comprehensive and collision, then this will be provided to a rental car. If you do not have comprehensive and collision, then be sure to purchase coverage from the rental car company.
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