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Choosing the Right Auto Insurance for You

a Black woman at the wheel of a car contemplates the right auto insurance for her

Whether purchasing your first set of wheels or shopping for better coverage, we’ve got an auto insurance plan that’s right for you. From families with teen drivers to the owners of classic cars, we have policies to fit everyone’s needs and monthly budget.

Our personal auto insurance covers injuries, property damage, and liability claims; theft and vandalism; or losses from fire, weather-related incidents, or falling objects:

  • Liability coverage for bodily injury and property damage you cause as a driver
  • Collision insurance covers the cost of fixing your car from an accident, hitting an object or a pothole, or flipping over
  • Comprehensive coverage for damage caused by something other than an accident, such as hail, fire, vandalism, theft, falling objects, or a cracked windshield
  • Accident benefits to pay for rehabilitation bills and lost wages for you and any passengers injured in an accident
  • Uninsured/underinsured coverage to protect you from other drivers who don’t have coverage or from a hit-and-run accident

How can Auto Insurance Protect You?

Explore how having the right insurance can protect you from the unexpected.

Auto
Bodily Injury Liability Coverage
Risk Factor

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.

Solution

Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.

Property Damage Coverage
Risk Factor

When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else's property. The amount required, if any, can vary by state.

Solution

The property damage portion of your auto insurance policy protects you if your car damages someone else's property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.

Uninsured / Underinsured Motorist Damage Coverage
Risk Factor

What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.

Solution

Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.

Physical Damage Coverage
Risk Factor

Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.

Solution

Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.

Rental Coverage / Loss of Use
Risk Factor

When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.

Solution

Rental coverage/ loss of use is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.

 

Additional Auto Insurance Coverages

  • 24/7 roadside assistance, including jump-starts, tire changes, fuel delivery, and towing
  • Replacement for a total loss
  • Gap insurance covers the difference between what you owe on your car loan and the value of the car if it’s totaled
  • Rideshare insurance if you use your car to pick up passengers for a ride-sharing company
  • Commercial auto insurance if you drive your vehicle for business
  • No-deductible glass coverage for damage to your windows
  • Specialty coverage for classic cars that ensures their distinctive value and use, including shows

Other Beneficial Options

  • Telematics safe driving program that can reduce claims and lower your rates
  • Discounts for good drivers, defensive driving classes, anti-theft devices, and multiple vehicles insured through us
  • Savings when you bundle both your auto and homeowners policy with us

Your costs will be based on the value of your vehicle, where you drive it, your driving record, and other risk indicators. You can include additional drivers in your home on your policy if they are your dependents. If they are grown or own their own vehicle, we can also help them get great coverage.

Expert Advice from Wedgwood Insurance

From top-notch home & auto insurance to the most complicated commercial coverage, there’s more to insurance than the price of the policy and Wedgwood goes above and beyond for our clients with expert advice you can trust. But don’t take our word for it – there’s a reason we’re Newfoundland & Labrador’s most trusted insurance broker.

With over 240 Google My Business reviews, come experience the Wedgwood difference with expert advice from our dedicated team. We work to ensure that every client has the coverage that best suits their needs through upfront complimentary consultations and midterm reviews.

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