Looking for Auto Insurance in Kentucky?
Strategic Insurance Partners has you covered. We can insure any and all types of vehicles for our clients.
Regardless of where they live, when most people think about car insurance, they primarily are concerned about damage to their vehicle. However, car insurance covers much more than just damage to their automobile.
Given the sheer number of vehicles on the road, along with the distractions drivers deal with, the chances of being involved in an auto accident are greater than ever before.
It is critical to understand what coverage options you have, not just for your car, but for you and those who may be injured because of your negligence.
Having adequate automobile insurance limits is extremely important. When involved in an accident where you are found to be at-fault, you have the potential to lose everything you own if you are not properly insured.
A common misconception is that to have great coverage you must pay top dollar for it. However, when you enlist the teamwork of Strategic Insurance Partners, you benefit from the best of both worlds. As an 100% independent insurance agency, we evaluate your coverages and compare them with the wide range of insurance carriers that we represent. This allows us to provide you with the best coverage available the most competitive price.
The best part of this process? There is no additional cost to work with us. Our compensation comes directly from the insurance carriers, yet we represent you and your family to properly protect your needs and exposures.
Without a license and background in insurance, it is nearly impossible to review two insurance contracts and understand their differences. These differences could be due to their coverage limits, policy language, or exclusions. This is why it is crucial to have an insurance professional working for you.
Common Automobile Insurance Coverages
These are some common coverages you typically see on an auto policy:
Comprehensive — This protection is applicable in the event that something, that is not fixed or a moving object damages your automobile. Some examples being theft, a rock cracking the windshield, striking an animal, etc.
Collision — This coverage provides compensation in the event someone’s vehicle is damaged in an accident that is your fault. The damage could be a result of striking another vehicle or a fixed object such as a curb, house, guardrail, etc.
Bodily Injury Liability — This protection provides financial coverage for individuals that are injured in an accident of which you are responsible. This liability coverage pays for the injured individuals medical bills and other related expenses. These expenses can be very expensive, and the injured party’s health insurance will not assist in any way. Therefore, it is necessary to have sufficient limits should something unfortunate occur.
Property Damage — When an individual is the responsible party of an accident, this coverage pays for damages that may have occurred to objects other than the individual’s vehicle. Some examples would be another vehicle, building, guardrail, etc.Uninsured & Underinsured Liability — This coverage provides compensation to the insured in the event that they are injured by another individual who was either unidentified or does not have sufficient liability limits to cover the insured expenses. This coverage is supremely important because you do not have control over the limits of liability others have on their auto policies.
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