Your auto insurance policy helps you in case you are involved in an automobile accident. If you have never been in an accident before, you may be unsure of what to expect when you find yourself involved in your first accident. The Hansen Agency LLC, serving the greater Canonsburg, PA area, details what you should expect when you are filing a claim for a car accident. 

Provide Your Insurance Company With the Necessary Information

The first step is actually to file the claim. Many insurance companies allow you to call in a claim or file a claim online. You will need your information, including your name, policy number, driver’s license number, and license plate information, as well as the information for the other party. Have all of this information on hand to speed up the claim filing process. 

Have Your Car Inspected

The next step will be to have your car inspected. The insurance adjuster may come to you, or they may tell you to bring your car to a specific location. Your car will be inspected to determine what type of damage it has and if the damage is repairable or if your car should be salvaged. 

Select a Body Shop to Have the Repairs Made

If the claim is approved, you can select your own body shop to have the car repairs completed. The body shop will bill the insurance company less any deductible you may owe, for the repairs that are made. 

Contact Us Today

Car accidents happen. If an accident were to happen to you today, would your car insurance policy provide you with the coverage you need to get your vehicle back to its pre-accident state? Here at The Hansen Agency LLC, serving the greater Canonsburg, PA area, we can review your existing policy to see if it meets your needs or help you to find a policy that will best meet all of your needs in case the unexpected happens. Call us to learn more. 

Consumers need to avoid mistakes when they purchase auto insurance that could cost them down the road. We’re devoted to helping our clients meet their insurance needs in Canonsburg PA at The Hansen Agency LLC. 

The following are three mistakes consumers in Canonsburg PA should avoid when it comes to auto insurance. 

Buying the first auto insurance policy that you come across

Shopping around is one of the most important steps to finding a good auto insurance solution. You should do your research on insurance providers offering auto coverage in your area. Then, you should get quotes from a few different providers.

While costs are important, you shouldn’t simply choose the insurance policy that has the lowest premium amount. You should also evaluate factors such as the coverage amounts each policy offers as well as the reputation insurance companies have for providing good customer service.

Choose the quote that will offer you the best value to find the right auto insurance policy. 

Choosing a deductible that’s too high

A high deductible may be a big problem if you get in an accident and have to file a claim. Make sure that you’ll always have enough money out-of-pocket to cover your deductible amount. 

Getting only enough liability coverage to meet basic legal requirements

You only have to carry enough liability coverage to meet the minimum requirements in your state. However, only getting the minimum coverage probably won’t offer you adequate financial protection. You’ll be more financially secure as a motorist if you exceed the basic requirements with the liability coverage you purchase. 

If you have questions about the auto insurance coverage we offer at The Hansen Agency LLC, contact us. We’ll be happy to reply to your questions and inquiries. Find the right auto insurance solution today!

Anyone who’s ever had to shop for auto insurance knows that it can be confusing. There are many options, coverages, and providers to choose from, and it’s hard to know if you’re getting the best possible deal. To save both time and money, it’s important to avoid making some common mistakes when purchasing auto insurance. The Hansen Agency LLC in Canonsburg, PA offers this guide in navigating this important topic. 

5 Mistakes to Avoid When Buying Auto Insurance

1. Not Understanding Your Coverage

It’s important to know what exactly your policy covers and doesn’t cover. If you don’t, you could be in for a rude awakening if you ever need to make a claim. Be sure to ask your agent any questions you have about your coverage so that you’re clear on what’s included.

2. Skimping on Coverage

It may be tempting to save money by opting for the bare minimum coverage required by your state, but this could end up costing you more in the long run if you’re involved in an accident. Make sure you have enough coverage to protect yourself financially in the event of an accident.

3. Omitting or Misrepresenting Information

When you’re applying for auto insurance, it’s important, to be honest about your driving history, vehicle, and any other relevant information. If you omit or misrepresent any of this information, it could invalidate your policy and leave you without coverage if you need to make a claim.

4. Choosing the Wrong Deductible

This is one of the most common mistakes people make when buying auto insurance. Be sure to choose a deductible that you can afford to pay if you ever have to make a claim. If you choose one that’s too low, your premiums will be higher, and if you choose one that’s too high, you may not be able to afford to pay it if you need to make a claim.

5. Failing to Compare Policies

Different policies cover different things, so it’s important to compare them before purchasing one. Be sure to look at both the coverage and the price when making your decision. Do not also forget to ask about each policy’s limits, conditions, and exclusions before you make your purchase.

If you’re shopping for auto insurance, avoid making these common mistakes. Be sure to understand your coverage, choose a policy that covers enough, and compare different policies before buying. The Hansen Agency LLC in Canonsburg, PA can help you find the right auto insurance policy for your needs. Give us a call today to get started.

The Hansen Agency LLC serves Canonsburg, PA and surrounding areas. We are committed to helping our clients obtain the coverage they’re looking for. We proudly serve the area as an independent agency. This allows us to offer multiple types of coverage. Providing reliable service is important to us.

3 Benefits Of Auto Insurance

Operating a vehicle comes with multiple risks. You have to navigate changing road conditions such as traffic and detours. You also have to be aware of how other drivers are behaving. Auto insurance is a safety net while you’re on the road. You are covered if your vehicle suffers damage from a collision with another driver or object. You are also covered if you accidentally injure someone or cause property damage. Liability coverage also covers any necessary medical treatment that a passenger may have sustained. Here’s a look at some other auto insurance benefits.

Severe Weather Coverage

As a Canonsburg, PA resident, you are used to driving in severe weather. These weather conditions are dangerous and increase tension while on the road. Auto insurance covers your vehicle if it suffers damage due to extreme weather. Maybe high winds in the area cause debris to crack your windshield or mirror. Perhaps a tree branch snaps and dents the hood.

Theft Coverage

Being a victim of theft is not a pleasant experience. Auto insurance covers you if your vehicle is stolen. Perhaps the thief is unable to steal your car but vandalizes it. Comprehensive coverage protects you in that situation as well.

Personal Injury Coverage

You can add personal injury coverage to your auto insurance policy. Personal injury coverage protects you by covering your medical treatment if you are injured in an accident.

The Hansen Agency LLC Will Help You Protect Your Assets

Contact us today to learn more information about auto insurance.