Category: Auto Insurance

The Pivotal Insurance Agency LLC serves the Louisa, VA community. Life is full of unpredictability. We strive to offer our clients policies that will allow them to navigate life’s risks. We offer multiple types of coverage so that our clients can find a policy that directly aligns with their individual needs. We will sit down with you and help you find the coverage you’re looking for.

Auto Insurance Policy Breakdown

As you travel around Louisa, VA in your car, you have to be aware of your surroundings. Detours may cause road conditions to change, and you also have to think about the behavior of other drivers on the road. Auto insurance gives you a layer of protection if something arises while you’re on the road. Collision coverage protects you if your vehicle suffers damage thanks to an impact with another driver. Any damages to your vehicle are covered. Liability coverage is also an important part of your policy. Accidents can happen at any time while you’re driving. If you hit someone or accidentally cause property damage, liability coverage is a safety net. Liability coverage takes care of the repairs or the injured party’s medical bills and prevents you from facing potential legal action.

Comprehensive coverage protects your vehicle in unique ways. Perhaps you are a victim of theft. Maybe a serious storm passes through the coast and causes debris to crack your windshield or break your windows. Comprehensive coverage protects you in these situations. You can also amend your policy to add extra coverage. If you choose to modify your vehicle, you can add modified auto coverage to protect you if the upgrades are damaged.

The Pivotal Insurance Agency LLC Will Help You Protect Your Assets

Visit our website to learn more information about auto insurance.

Basic auto insurance is what is required by the state, in this case, Virginia. It is liability coverage that protects other drivers in the event you cause an accident. It is important coverage and it protects your assets, but it does not protect your vehicle. The Pivotal Insurance Agency LLC in Louisa, VA, believes it is our job to make sure that all of our customers have exactly the amount of insurance that is best suited to their needs. 

If you are leasing your vehicle or you have a car loan, you will be required to have more than basic insurance. You need to protect the vehicle since others have a vested interest in your vehicle. Collision and comprehensive coverage will be required. . Collision protects your vehicle after an accident where you are at fault, are the only car in an accident, or are a victim of a hit and run. Comprehensive is coverage for all the things that can happen that aren’t your fault, just bad luck like weather damage, theft, and vandalism. 

If you are like most people, you count on your vehicle for everyday activities. You need to drive to work, shop, and pick up the kids. A day doesn’t go by when you don’t use your car. For you, having coverage that will fix your car if it is damaged is vital to your life. The reality is, basic insurance is right for a small number of people, not everyone. 

Having basic auto insurance is okay if you have an old car of little value and not much in the way of assets. But if you own a home and have savings, basic liability just won’t cut it. 

Contact The Pivotal Insurance Agency LLC in Louisa, VA to discuss what you need when it comes to auto insurance. 

If you are living and driving in the state of Virginia, you need to have state-mandated auto insurance. In order to register a vehicle, you need to have the necessary insurance coverage. This is required whether you have a car loan or not. At The Pivotal Insurance Agency LLC in Louisa, VA, we are an independent insurance agency that places the needs of our customers first. We work for you, not for an insurance company, and we take that responsibility seriously. 

In simple terms, yes, you do need to have auto insurance when your auto loan is paid off. The mandated insurance is 25/50/20. That is $25,000 for the first person injured in an accident where you are the at-fault driver, with a maximum of $50,000 for an entire accident. The $20,000 is for property damage. This is a reasonable amount but it may not be adequate depending on the accident. 

When you have a car loan, your lender will require that you have more than the mandated liability insurance required by the state of Virginia. You need to carry auto insurance that will protect your vehicle. To protect your vehicle, you must have collision and comprehensive coverage. This insurance is important coverage which you should consider having even if you no longer have a loan. 

Do you use your vehicle every day? Do you need a vehicle to get to work and to do other daily activities? Would you be able to repair or replace your vehicle in the event of an accident, damage incurred by a hit and run, or events beyond your control? If it is a hardship, then having auto insurance to protect your vehicle is a necessity for you. 

Contact The Pivotal Insurance Agency LLC in Louisa, VA when you have questions or needs for auto insurance.