One of the most important things that you can do after purchasing a new car, is to make sure it is insured. While it might be frustrating to have to get a Fall River car insurance policy right away, it is an important service. Auto insurance companies provide a variety of coverage options, based on your needs and the requirements of your state.
Most states demand at least a minimum amount of coverage to operate a vehicle legally, but that won’t protect you in an accident. If you are making payments on your car, most lenders will require more than the minimum auto insurance in Fall River. You need to work with a trusted Fall River insurance agency that will get you the coverage you need at a price that you can afford.
An Independent Insurance Agency
Paul Sullivan Insurance agency is an independent insurance company. What does that mean? It means that we work with many of the major insurance companies that provide coverage within the region. We serve Southeastern Massachusetts and Rhode Island, and we have been doing so since 1956. Our agency also works with a variety of different specialty carriers, which allows us to provide a broad range of options to our clients.
Our team of highly trained and experienced agents is dedicated to providing top quality customer service and is determined to find our clients the most cost-effective coverage available in the region. We can assist with new quotes for auto insurance in Fall River and go over existing policies to ensure the best coverage. We can offer a very diverse menu of coverage and policy options while maintaining competitive pricing. These are just some of the reasons why local vehicle owners trust us with their Fall River car insurance policy.
What is Covered?
While each policy is different and the coverage available through various auto insurance companies is different, there are some options that are pretty standard. When you visit your Fall River insurance agency, make sure to ask questions about the coverage offered in your FREE quote. It helps to compare “apples to apples” instead of “apples to orange” when it comes to the quotes provided. For example, if one quote includes a greater amount of liability insurance than the other, it will be difficult to compare value. Make sure you know what you want and ensure that the agency you work with reflects your needs in the quote that they provide.
- Liability – This type of coverage pays for any repairs or treatment of injuries suffered by other people when you are at-fault in an accident. The coverage limits are often expressed in three numbers, such as 100/300/50. What these numbers would mean is that your policy is set up to pay up to $100,000 for injuries, up to $300,000 for total bodily injury claims, and up to $50,000 for property damage. Again, these figures are all for an accident that was caused by you.
- Uninsured Motorist – This type of coverage is used to pay for your medical treatment should you get hit by a driver without insurance. Again, some states require this type of coverage. It also pays for your medical treatment if the driver does not have enough liability coverage to pay for all of your bills. Some auto insurance companies also offer uninsured motorist property damage coverage, which would pay for repairs made to your vehicle.
- Collision & Comprehensive – In most states, this type of coverage is optional. However, a lender will most likely require you to carry it with your Fall River car insurance policy. Collision is designed to pay for car repairs if your vehicle is damaged in an accident. It can also be used to reimburse you for the market value of your vehicle if it gets totaled. Comprehensive is designed to pay out if your car gets damaged or stolen in an incident other than a traffic accident. This includes natural disasters, collision with an animal, or vandalism.
When you speak with your agent about various policy options with major auto insurance companies, be sure to ask about the extras. Additional coverage may be available for things like roadside assistance or rental reimbursement. Other extras may include GAP insurance, which completely pays off your brand new vehicle if it gets totaled in an accident.
Southeastern Massachusetts, Rhode Island, and other states in the New England area all have different laws, requirements, and options for insurance. This is why it is important to sit down with your Fall River insurance agency and discuss your needs. Call Paul Sullivan Insurance Agency at 508-678-9611 to speak with an agent to discuss your policy or get a FREE quote for auto insurance in Fall River and the surrounding area.