Nothing makes you cringe quite like the sound of a crunching bumper. It happens to unexpecting drivers every day, and you never know when it could be you. Fortunately, the right insurance can help pay for the damages when you are involved in a collision. It can even step in when you fall victim to damages due to events outside your control. At BWO Insurance of Kenosha/Racine, we help area drivers like you manage your risk of loss with comprehensive auto insurance protection from leading Wisconsin insurers. We offer the total package – car insurance coverage, discounts, and the service you expect from a local, independent agency.
Complete Coverage Solutions
Auto insurance is about much more than just protecting your car. The right coverage is capable of covering you against extensive losses, from your injury-related medical expenses to your liability for a car accident. Depending on your insurer and the coverages you select, your policy may include protection against:
The bill for post-collision damage repair can total thousands of dollars. If your car is deemed a total loss, you might be forced to find a replacement vehicle, which could cost you even more. Collision insurance compensates you for financial losses related to collision damages. Instead of absorbing the expense yourself, covered claim costs are limited to your deductible instead.
Like collision insurance, comprehensive covers damages to your vehicle, too. However, this coverage is limited to damages caused by events other than collision. Examples include fire, theft, vandalism, weather-related damages, or hitting a deer in the middle of the night.
Bodily Injury and Property Damage Liability
When you are the one responsible for a car accident, the financial liability can add up quickly. In addition to the cost of victim property damages and medical bills, you could also face a lawsuit that incurs expensive legal fees and court costs. Bodily injury and property damage liability can help cover your financial responsibility for an accident you caused up to the limits of your coverage. This type of insurance is mandatory for motorists in Wisconsin, and all drivers are subject to minimum coverage requirements. However, we typically recommend higher limits of liability protection, as drivers are often responsible for paying excess liability and litigation damages out-of-pocket.
Other drivers have the same responsibilities you have – to carry liability insurance that compensates victims for property and bodily injury damages. Unfortunately, not all drivers carry the coverage they really need. If you are hit by a driver with no insurance, uninsured motorist insurance can help cover your injuries. You can look to a similar coverage – underinsured motorist insurance – to fill in the gaps when an at-fault driver’s insurance limits are too low to compensate you for your losses.
This coverage helps assure you and your passengers get access to the medical care you need, no matter who was responsible for causing an accident. Whether you hit a median and rolled your vehicle or suffered acute injuries after being hit by another motorist, medical payments can provide limited, no-fault coverage for necessary medical expenses so you can get the care you need right away.
Towing and Assistance
No one anticipates a break-down in the middle of the night or locking their keys in the car while on vacation. These types of incidents can happen at the most unexpected and inconvenient times, forcing you to call for professional roadside assistance. Fortunately, many insurance companies offer optional coverage for roadside emergencies, whether you need fuel delivery, a battery jump, help with a flat tire, or even towing to the nearest vehicle repair shop.
Rental Car Expenses
If the front left quarter panel of your vehicle is crushed in an accident, it could take a week or more for the body shop to get the parts necessary to complete the repair. In the meantime, you have places to be and responsibilities to take care of – all of which requires reliable transportation. With rental car coverage, your insurance company can help cover the cost of a temporary rental to drive while your personal vehicle is being repaired.
Discounts and Savings
Why choose between quality and affordability when you can have both? Shopping with an independent agent means you can easily compare your coverage options without the hassle of contacting multiple insurance companies directly. To further solidify your savings, we can look for discounts available from your insurer to help reduce the cost of your premiums. From safe driving discounts to extra savings for drivers who complete an approved driver safety education program, there are many different types of discounts available from auto insurers throughout Wisconsin.
Think of your independent insurance agent as your advocate when shopping for coverage. We work for our clients – not insurance companies. When you come to us, we evaluate your risk exposures and match you with a policy designed to protect your interests. The service doesn’t stop there. We get to know our customers and continue to provide ongoing support long after the coverage is in place. You can return to us again and again with your questions and for ongoing support as your coverage needs change over time.
We invite you to experience the BWO Insurance of Kenosha/Racine difference for yourself. Contact our office to speak with an independent agent and find out how we can help you save on the coverage you need. We look forward to serving you soon.