(248) 682-0077

Auto Insurance

Auto Insurance Explained – The Coverage Your Car Needs

When your car has been damaged, it’s enough of a headache. So you don’t need another one when it’s time to work with your insurance company. We are drivers too, so we know what it is like to worry if you don’t have the coverage you need.

Auto policies are required by law. All states require you to carry a certain level of auto insurance. In addition to the legal requirement, most lenders require borrowers to have full coverage protection. This insurance will also assist you in protecting yourself and your family financially should an accident or some other events befall you as a driver.

 

What Is It?

Auto insurance is a form of coverage that gives you financial protection should your car be damaged or any passengers or other drivers be hurt. If you carry this coverage, the insurance provider instead pays for most, if not all, of the expenses rather than forcing you to pay for medical and/or car repair or replacement costs out of pocket.

Who Benefits?

As previously stated, it is a legal requirement that all who drive cars must be insured. When pulled over by police not only will officers request your driver’s license and car registration, but also proof of insurance.

How It Functions

When a vehicle is involved in an accident, the individual who is deemed to be at fault is liable for coming up with the money to pay all the costs that result from said accident. This often overwhelming sum will include the expense to repair or replace the other driver’s or drivers’ car(s), any medical costs of those in the other vehicle(s), and in yours, and to also repair any damaged property as well.

When purchasing good car insurance, owners are in charge of determining how much coverage they desire. This is what will help in determining the most that an insurer will be obliged to pay. In addition to the coverage levels, a policyholder is also free to choose the size of his or her deductible, which is how much the insured driver must first pay before the insurer provides its compensation. This amount varies, usually in increments of $500 and $1,000; generally, the higher the deductible will mean the lower the premiums one has to pay on a monthly (or otherwise) basis.

Different Kinds of Coverage Available

There is a myriad of coverage types, which vary from state to state and how and to what degree the driver wishes to be safeguarded. The following are the predominate types out there:

  • Liability (Injury/Death)– This is what pays for medical or other costs incurred by those injured or killed in an accident for which the policyholder is at fault.
  • Liability (Property Damage)– This coverage compensates for damages to the property of the other drivers or affected individuals, including the vehicles and structures, etc.
  • Collision– This component of coverage pays out for damages to your own vehicle that are the result of an accident, if it is your fault or otherwise.
  • Comprehensive– This type of coverage compensates for any covered damages to your vehicle that results from anything other than an accident. Examples include the financial consequences of damage or loss from severe weather, theft, vandalism, etc.
  • Medical Payments – This covers you for injuries and even to help your survivors to pay for expenses for funerals should the worst befall you and more.

Big Benefits

The big plus in carrying suitable auto insurance is the help it provides you in covering the costs if you are involved in some kind of accident or other event or peril that affects you. You simply make your premium payments consistently and on time and, in return, you can enjoy peace of mind in knowing that you and your family are financially protected.

Get a free estimate on this policy

The staff is very knowledgeable and helpful and always takes the time to help me with my problem. I highly recommend them.I had occasion to change over my home insurance to A.Young Agency, and once again I was met with exceptional service by Joe LeDuc and Christine the office manager. They make one feel like they are family and go above and beyond to make one’s experience easy and stress-free. I highly recommend them.
Anne Lee
Anne Lee
All staff are very responsive and helpful great agency
Eric Doty
Eric Doty
Shannon is fantastic. She always takes time to acknowledge me when I stop in. The team there is friendly and I feel like they, although very professional, have a very personal investment in their business. 🥰
Mark Rouleau
Mark Rouleau
I've know John for many years and he's a Great Guy who knows his stuff.
M.C. Cawley
M.C. Cawley
I absolutely love this insurance company! They always call when there's a better deal available to save me money! This company keeps in touch and cares about their customers and even remembers my birthday and sends a birthday card! If there's a problem with the account they're quick to investigate. They always have a solution! Thank you A Young I love all of you! Even though the pandemic has been hard on my family you always know how to make me smile! GOD BLESS YOU ALL!
Lillie Collins
Lillie Collins
Working with Young Insurance is a pleasure.staff is friendly,knowledgeable,and will work with you to get the insurance you need at the best rates.
Kevin Cavanaugh
Kevin Cavanaugh
I just love Shannon, she's the best!! She works so hard to get the best rate for me.I would highly recommend this company.
Barb Genta
Barb Genta
Got me what I needed, when I needed it and at the price I needed.
Dale Hartzfeld
Dale Hartzfeld
Nice friendly local place for insurance
Kathleen Hoadley
Kathleen Hoadley
Joe is the best! Friendly staff that cares about you. I felt like family. Really appreciate the guidance and ease of switching insurance companies. Thank you - Nikki
Nikki Quintanilla
Nikki Quintanilla
Everything we buy in life has three parts to it.Service, price and quality. Normally, one can only expect two out of three. Very rarely do you ever get the total package. A Young Insurance is an insurance company~ that has excellent service , excellent quality and excellent prices! 10 🌠
Tracy Richardson
Tracy Richardson
Very friendly staff ,on top of the great deal. This company cares about there customers .
martin mccloud
martin mccloud
They are the best Agency ever
Etoy Nichols
Etoy Nichols

1400 Scott Lake Road, Suite AA
Waterford, MI 48328