Fairfax DUI attorneys often see the dangers of buying an inadequate insurance policy. They work closely with all affected parties of the DUI event, including the insurance companies involved. Damages from an accident aren’t covered when they should be and vice versa. Our Fairfax DUI attorneys suggest you look for the following when comparing car insurance:
- Market or Replacement Value
Your insurer’s policy on the valuation of your car is an important factor to look into. What is their policy if your car has been stolen and has never been recovered or reported as damaged by an accident? Will it be replaced with an equivalent model if it is new? You should also take note of their policy on old and classic cars.
- Deductible Options
While the lowest deductible may seem to offer to save you money in case of a vehicular accident, you must also consider your chances of being in an accident or causing an accident especially if you are a safe driver. This is to avoid paying a higher premium rate for an insurance feature that you are unlikely to use in the first place.
- Coverage Limits
Getting the minimum required coverage as required by law makes you legally covered but not financially protected. That is, the amount of your coverage may not be enough to shoulder the actual cost of accident damage. Also take into account whether there is a provision of coverage for an accident caused by another motorist who is not insured. Third party coverage must also be considered for injury claims made by another person in case you caused them any vehicular or property damage while driving in Fairfax.
- Coverage for Specific Car Models
There are car models that require higher premium rates as compared to other models. It is not so much because they are expensive but because they are inherently at a higher risk than other cars in the first place. You should consider whether your provider offers a low premium rate in case the car you desire belongs to this type.
- Insurance Bundling
Insurance bundling means that you are getting all your insurance needs from the same provider. This particular option can give you a lot of savings in terms of the amount of premiums you pay. Insurance companies, on the other hand, are more likely to give a larger than usual discount for their clients who have all of their coverage needs purchased from the same company.
One of the most important factors to look for in purchasing your car insurance is the reputation of the provider you choose. An insurer with a solid reputation can of course be trusted to deliver the services as specified in your policy. Ask your Fairfax DUI attorney if they know of any reputable insurance companies that will give you the insurance you need.
Having your insurance policy in hand affords you the peace of mind that comes with knowing that whatever happens, you have a financial fallback to depend upon. It is therefore important to purchase one that meets the criteria as outlined above.