What Does Your Policy Cover?
You know that you are carrying at least the legally mandated amount of auto insurance, but do you know much more about your policy than that? Have you wondered for what, exactly, your current policy includes coverage? Say, for example, that your car is broken into and your cell phone is stolen. Do you have the protection in place to secure a reimbursement?
In the event something is stolen from your car, your ability to get it covered will be contingent upon 1. The item stolen and 2. The type of coverage you have secured.
If the stolen item was physically a part of your car (e.g. a car stereo), your auto insurance will be the one to kick in. If, however, something like a cell phone, laptop, tablet, wallet, or purse was stolen, your homeowners or renters insurance would foot the bill. In either case, it is important to ensure you have a reasonable deductible. A $10,000 deductible may save you a few bucks on your premiums, but it will also mean your policy will not pay to get you a new laptop.
If the stolen item was a part of your car (meaning it was permanently attached), your auto insurance will be able to help out if you have secured comprehensive coverage. This coverage can also help cover repairs if the thief scratches your paint, breaks your window, or incurs other damages to your vehicle.
You deserve to work with an independent insurance agency that will make sure you not only get the coverage you need, but also that you are able to understand it. Contact Lou Aggetta Insurance Services in Pleasant Hill for all of your California, Nevada, and Arizona auto insurance needs. Our team of knowledgeable agents is here to show you great coverage and great service at great prices. Do not wait; call us today!