Your auto insurance policy is required to drive legally, but it offers much more than just legal compliance. A well-structured auto insurance policy can provide valuable financial protection and make recovery after a covered event, such as an accident, much less stressful.

However, these benefits depend on having the right level of coverage. That’s why it’s important to review your auto insurance policy regularly. The professionals at Blevins Insurance Agency, servicing Lafayette, IN, are here to help. We work closely with our clients to ensure they understand their policies and have coverage that aligns with their needs. Here’s what you should know.

Why You Should Review Your Auto Insurance Policy

Auto insurance policies can vary significantly in terms of coverage limits, deductibles, and included protections. Reviewing your policy allows you to confirm whether your current coverage is adequate for your lifestyle and financial situation.

If you find that your policy falls short, an insurance agent can help you adjust your coverage to better protect you against potential risks. Regular reviews help ensure that you’re not underinsured or paying for coverage you no longer need.

How Often Should You Review Your Policy?

It’s a good idea to review your auto insurance policy at least once a year. You should also review your policy whenever you experience a major life change, such as purchasing a new vehicle, moving, or adding a driver.

If you also carry homeowners insurance, consider reviewing both policies at the same time. This approach helps ensure your overall coverage remains consistent and up to date.

Schedule Your Policy Review Today

If you’re ready to review your auto insurance policy, contact Blevins Insurance Agency, servicing Lafayette, IN. Our experienced insurance professionals can walk you through your coverage, answer your questions, and help you determine whether your current policy is the right fit for your needs. Reach out today to get started.

Your car’s windshield endures constant wear and tear from everyday driving. Flying debris, hailstorms, and even temperature changes can cause chips and cracks that require immediate attention. At Blevins Insurance Agency in Lafayette, IN, we help drivers understand their auto glass coverage options, so they’re prepared when repairs become necessary.

Understanding Your Glass Coverage Options

Most comprehensive auto insurance policies include coverage for windshield and glass repair, but the specifics can vary significantly among insurers. Some policies cover repairs with no deductible, while others require you to pay your full comprehensive deductible even for minor chip repairs. The key difference lies in whether your policy treats glass repairs separately from other comprehensive claims or combines them under standard coverage terms.

When to File a Claim vs. Pay Out of Pocket

Small chips, smaller than the size of a quarter, can often be repaired for under $100, making it worth considering whether to file a claim at all. However, full windshield replacements typically cost $300 to $500 or more, depending on your vehicle. If your deductible is $500 and the repair costs $400, you’ll pay the entire bill yourself. Always get a repair estimate first and compare it to your deductible amount before deciding.

The Importance of Prompt Repairs

Delaying glass repairs can lead to bigger problems. Temperature changes and vibrations can cause small chips to spread into large cracks that require full windshield replacement. Many insurers cover chip repairs at 100% but require deductibles for replacements, so acting quickly can save you money and prevent further damage.

Stay Prepared for Windshield Repairs

Don’t let windshield damage catch you off guard. Contact Blevins Insurance Agency in Lafayette, IN, today to review your current glass coverage and ensure you have the protection you need on the road.

Auto insurance in Lafayette, IN, typically covers various types of damage. However, it only applies to “covered perils.” These are certain events that your policy will cover. It’s important to understand what’s covered under your policy to ensure you have adequate coverage. 

Liability

Liability policies only cover the other person’s personal property damage or bodily injury payments. It will not cover your personal expenses unless an uninsured or underinsured driver hits you, the accident is their fault, and they don’t have enough coverage. There are no other covered perils under this level of coverage. It won’t cover things like theft, natural disaster damage, or vandalism. 

Collision

Collision policies typically cover damage resulting from accidents. Some companies include accidents with objects and animals, such as a telephone pole or deer, under collision coverage. Others include it with comprehensive coverage. Speak with an agent at Blevins Insurance Agency to see which type of coverage you need. 

Comprehensive 

Comprehensive policies cover most things that aren’t accidents with another vehicle. This coverage level includes perils such as damage from natural disasters, theft, vandalism, accidents involving animals, and accidentally hitting property. 

Exclusions

Many insurance companies have exclusions in their auto policies. Policies will only cover damage up to the coverage limits, even if your loss is more than the limit. They don’t cover intentional damage. Damaging your vehicle and filing a claim is considered insurance fraud. 

It’s essential to note that covered perils may vary depending on the insurance company. Professionals at Blevins Insurance Agency will carefully review your policy with you so you know what’s covered. Contact us. We’re currently serving the Lafayette, IN, area. 

Auto insurance in Lafayette, IN, typically covers various types of damage. However, it only applies to “covered perils.” These are certain events that your policy will cover. It’s important to understand what’s covered under your policy to ensure you have adequate coverage. 

Liability

Liability policies only cover the other person’s personal property damage or bodily injury payments. It will not cover your personal expenses unless an uninsured or underinsured driver hits you, the accident is their fault, and they don’t have enough coverage. There are no other covered perils under this level of coverage. It won’t cover things like theft, natural disaster damage, or vandalism. 

Collision

Collision policies typically cover damage resulting from accidents. Some companies include accidents with objects and animals, such as a telephone pole or deer, under collision coverage. Others include it with comprehensive coverage. Speak with an agent at Blevins Insurance Agency to see which type of coverage you need. 

Comprehensive 

Comprehensive policies cover most things that aren’t accidents with another vehicle. This coverage level includes perils such as damage from natural disasters, theft, vandalism, accidents involving animals, and accidentally hitting property. 

Exclusions

Many insurance companies have exclusions in their auto policies. Policies will only cover damage up to the coverage limits, even if your loss is more than the limit. They don’t cover intentional damage. Damaging your vehicle and filing a claim is considered insurance fraud. 

It’s essential to note that covered perils may vary depending on the insurance company. Professionals at Blevins Insurance Agency will carefully review your policy with you so you know what’s covered. Contact us. We’re currently serving the Lafayette, IN, area.