Here at Baker Insurance, we provide competitive pricing for adequate coverage so that in the unfortunate event of a loss, you are fully covered and preserved.
Types of Coverage
- Liability -
This aspect of automobile coverage is something you must have above all auto coverage types. When you are involved in an accident, that is determined to be caused by your actions, your liability insurance will cover the property (auto or not) and potential medical bills from those involved.
It is important to understand that many auto carriers will lure potential clients with lower rates and premiums due to using low limits on a policy. However, it is crucial that you are adequately covered in the event of a loss to preserve your financial security.
- Collision -
Collision coverage is part of having 'full coverage' on your vehicle. This coverage is meant to insure you and your vehicle in the event you become involved in an accident where the damage exceeds the value of your automobile. This is something that is not included when holding "liability only" coverage and is extremely important to have with 'newer' vehicles.
- Comprehensive -
Comprehensive coverage is to cover events that do not typically involved other vehicles - rather, is meant to cover your vehicle if you were to hit a deer, a ball hits your windshield, or even if your vehicle is stolen. We can even work with insurance carriers to use devices such as mile tracking or anti-theft devices to lower the addition of these kind of coverage's.
- Personal Injury Protection (PIP) -
"PIP" is an additional coverage that will cover both you and your passengers' medical bills in the event of an auto accident. To be even more helpful, this coverage will become in effect despite who is at fault for the accident.
- Uninsured/Under-insured Motorist Protection -
Another relatively low priced addition to your automobile coverage is uninsured and under-insured coverage. This is to cover expenses that someone else's insurance is not adequate enough, such as having state minimum limits.
If a driver causes an accident that involves you and is either uninsured, or under-insured (in regards to amount of loss occurred), this coverage will cover the expenses that exceed the limits the driver has (or lacks). We believe this is a coverage that is dire to include in your policy to ensure protection in the unfortunate event of a loss.