Auto insurance is not just one type of coverage; it is several types of coverage. Some are required and others are a choice that you make according to your needs. Liability insurance is required and that coverage protects other drivers from you. When it is time to decide the type of coverage you want for your vehicle, having an independent insurance agent whom you trust to guide you is a big help. At KC Wilson Insurance & Financial Services in San Jose, CA, we were founded to help provide the assistance you need with insurance and financial products.
When it comes to who should carry comprehensive and collision insurance, the state does not require that you carry it. They are both optional coverage unless you happen to have a loan or a lease in which case you will be required by the lender or lessor to protect your vehicle. What collision coverage does is pay for repairs or replacement of your vehicle in the event of an accident where you are responsible. Comprehensive coverage repairs or replaces your vehicle in the event it is stolen or damaged in n event beyond your control.
Anyone who counts on their vehicle in order to drive to work, run errands or just live their regular life, can benefit from having comprehensive and collision coverage. Ask yourself this simple question "could I afford to repair or replace my vehicle out of my own pocket if I needed to?" If you had to think about the answer or hesitated, the answer probably is no you couldn’t. It may be tempting not to pay for this valuable coverage but if you ever need it, you will be very grateful that you did.
Contact KC Wilson Insurance & Financial Services in San Jose, CA for all your auto insurance needs.