When people think about auto insurance, they may think about the state laws that govern them on the road. In every state, you need to have some degree of auto insurance coverage to be considered legal. But there's more to it than just selecting the bare minimum. You need to consider how everything from your vehicle to your lifestyle will affect what happens to you both on the road and off. TransGlobal P&C Insurance Agency is here to make the process a little easier for you once you know all your options.
The best policy for you isn't necessarily the same as your neighbor — even if both of you drive very similar vehicles. Auto insurance is in constant flux because you're in constant flux. So if you make changes to your driving habits or your car, you need to consider how that will affect your policy. For instance, if you invest in several after-market parts, you'll want your policy to cover these things should something occur to them.
As you look through each potential policy, it helps to have a partner that you can trust to decide which is the best for you. Whether you have a vehicle primarily to enjoy the open road or you tend to use it for more practical purposes like running errands, there's a solution for you.
TransGlobal P&C Insurance Agency is staffed with people who care about drivers and their well-being. That's why we're here to talk you through different policies and how they will or won't cover you in different scenarios. Some drivers feel comfortable opting out of certain protections, while others don't want to take chances. Whatever camp you fall into, give us a call today for a quote, or just to learn more about your options.
If you cause an accident and someone is injured, this coverage can help pay for their medical expenses and hospital bills up to your policy coverage limit.
If you cause an accident, property damage liability will pay for the vehicle or property you damage, up to your policy coverage limit.
PIP can help pay for your medical and hospital expenses when you and your passengers are injured in an auto accident. PIP is mandatory in the states of DE, FL, HI, KS, KY, MD, MA, MI, MN, NJ, NY, ND, OR, PA, UT.
UM helps protect you and your vehicle from uninsured drivers and hit-and-run accidents.
UIM helps protect you from drivers who do not have enough insurance to cover the costs of an accident.
Helps pay medical costs for you and your passengers in the event of a covered auto accident.
It doesn’t matter who’s at fault! Collision can pay for damage to your vehicle if you hit another vehicle or object, another vehicle hits yours, or your vehicle rolls over.
This coverage can help pay for damage to your vehicle from vandalism, theft, falling objects, weather events and accidents involving animals.
This is a lower deductible that can be applied in place of your comprehensive deductible for a glass-only loss involving your windshield, windows, and exterior lights or mirrors.
Have some peace of mind knowing that help is just one call away in the event of a flat tire, fuel delivery (not including the cost of fuel), jump start, having a mechanical problem or needing towing service.
Also known as loss of use or transportation expenses, this type of coverage provides access to a rental car or other transportation while your car is in the repair shop after a covered accident.
If your car is a total loss after an accident, this coverage may pay the difference between the actual cash value of the vehicle and the unpaid balance of the loan or lease.
This covers the cost of a new car of the same make and model, minus any deductibles, if your car is totaled in a covered loss. Fire, theft, larceny and flood losses are excluded.
Please contact us to discover the car insurance coverage you need for your unique situation.
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