Basics of Auto Insurance Clovis

Auto Insurance Clovis refers to the insurance for your automobile in the city of Clovis. It is protection for your automobile against the risks of accidents and theft. Imagine a situation where you are involved in an accident and your car is damaged. The repair bill will be a big one that will be a burden on your finances. A worse situation is when you come out of your office, look around, and find your car gone. These situations are where automobile insurance would be very helpful.

What is Automobile Insurance?

 

 

If you want to be protected against the risks of automobile theft or accidental damage, then you can opt for auto insurance Clovis. Auto insurance is a contract between you and the insurer who undertakes to protect you against the risks of accident and theft. You would be protected for a specified amount of money, known as the insured amount. In order to be eligible for insurance, you need to pay a premium amount (usually once a year). In exchange for this, the insurer guarantees you against the following risks:

• Damage to your car (partial or total) as a result of an accident.

• Theft of your car and any damage that may occur as a result.

• Personal liability, which is your responsibility towards someone whose property is damaged or face injuries because of the accident or theft.

• Medical expenses that arise to treat injuries as a result of the accident. It can even cover loss of wages due to the accident. Some insurers also offer funeral expenses, in the event of death.

Is it compulsory?

In most states, it is mandatory as per law to insure your automobile. Your car insurance policy must cover liability for damage to property and physical injury. Some states mandate that you must also be covered for medical expenses or PIP (personal injury protection) to cover medical expenses for injuries that you or your passengers may suffer. You may need uninsured motorist coverage that will provide you a reimbursement if you meet with an accident and the other driver has no insurance.

Scope of insurance

 

Your auto insurance Clovis will cover you and can even cover your family members. Most policies would offer coverage even if someone else were driving your car, provided you have given consent for it. There are certain exclusions that you must be aware of:

• The insurance only covers personal driving and does not provide coverage if you are using your car for any commercial purposes.

• If you have offered your car to any other agency for commercial use (like a taxi), then you will not be covered by this policy.

• In such a situation, you may opt for a supplemental policy so that you are completely protected.

Getting insured

Whether mandated by law or not, it is very important for every driver to obtain auto insurance Clovis. You need to ideally look for comprehensive coverage that protects you not only against accidents but also against acts by vandals, floods, etc. Insurance offers you peace of mind and is a must for all automobile drivers.