Auto Insurance

Many vehicles offer protection in accidents. Newer vehicle models often have airbags, antilock brakes and sophisticated accident avoidance systems. These safety features often provide drivers with an added sense of security. However, regardless of the safety systems, accidents may still happen. Insurance is one common form of protection every driver needs. Auto insurance is your best safety defense against losses due to accidents, whether your antilock brakes fail or you’re involved in a fender bender.

What Is Auto Insurance? 

If you have an accident or another covered loss, auto insurance can help you financially recover. For a premium you agree to pay your insurance company for coverage, your insurer pays for your covered loss. After you file your accident claim, you’ll get an amount of money to pay for needed repairs, subject to deductibles or policy limits.

What Auto Coverage Is Available?

You can purchase different types of coverage to build your auto insurance policy. An Eckenrode Financial Services LLC agent can help you learn more about the types of available coverage, including which may be right for you.

Common types of auto coverage include:

·       Liability insurance—If an accident is your fault, this coverage may help pay for your damage to others who weren’t in the car with you. 

o   Bodily injury liability coverage. This coverage may pay for third-party medical bills and sometimes for death benefits. 

o   Property damage liability coverage. This coverage may pay for damage to the other party’s property. 

·       Collision insurance—This coverage may cover damage to your vehicle sustained in an accident or collision with an object. 

·       Comprehensive insurance—This coverage may pay for nonaccident damage, such as weather damage, fires, theft, vandalism or other incidents. 

·       Medical payments coverage—This coverage may pay for your medical bills if you’re injured in an accident. This coverage may also cover other losses, such as lost income. 

·       Uninsured/underinsured motorist insurance—If someone who doesn’t have appropriate liability coverage caused your accident, this coverage might help cover damages.

Is Supplemental Coverage Available?

Many insurance companies offer supplemental benefits you can add to your auto insurance. These may include coverage such as: 

·       Custom parts coverage 

·       Gap insurance 

·       Replacement cost vehicle coverage 

·       Rental car reimbursement 

·       Roadside assistance 

·       Vanishing deductibles 

We can determine if your policy qualifies for any supplemental benefits and whether you’d like to add them to your auto insurance policy. These additional benefits can affect your policy premium, so you can decide if they’re advantageous.

How Much Auto Insurance Should You Carry?

Every driver benefits from auto insurance coverage, and how much auto insurance you should carry will depend upon your unique situation. Additionally, West Virginia requires all drivers to have minimum amounts of liability insurance and uninsured motorist coverage. Talk to an Eckenrode Financial Services LLC agent to learn what these requirements mean for the insurance amounts you should carry. In many cases, you may be recommended to carry more than the minimum required amounts to have adequate protection.

How Much Does Auto Insurance Cost?

What you pay for your auto insurance depends on various factors, including your coverage limits, your vehicle’s model and value, your driving history, where you reside and your past claims history. We can help put together an affordable policy that gives you the protection you want.

We Can Help

Eckenrode Financial Services LLC provides auto insurance to drivers near Martinsburg, Charles Town, Inwood, Hedgesville, Hagerstown and Winchester, West Virginia. Our team can help you explore the insurance coverage that gives you the best protection. Call us today at 304-267-2100.