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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.

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Everyone at Young Insurance is very helpful polite,professional, I have recommended friends and family of mine to them I would like to thanks Christine she goes out of her way to help me several times thank you your the best Christine also everyone at the office and on the phone treats you like FAMILY once thank you to everyone at Young Insurance
Roin McClusky
Roin McClusky
Joe, Christine, Deana , and all the team at Young Insurance Agency are great persons and professionals because they always provide their best in all that they do and they do it awesome!Highly recommended!!
Ili Castro
Ili Castro
Love these guys! Everyone there bends over backwards to help me when I ever need anything.
THEE CONCEPT
THEE CONCEPT
They are very professional and respectful along with caring about their people.
Edward Pettis
Edward Pettis
Great place..Great people ..Fast service ..Great quotes.. couldn't ask for anything more. Would recommend A.Young Insurance Agency to anyone.
Jackie Hayden
Jackie Hayden
Everyone are very nice and informative. I'm very glad to belong to this company. Always take care of my insurance needs
Brendan Scheuher
Brendan Scheuher
Outstanding service!!! Five stars across the line.
Ricky Stitt
Ricky Stitt
Your staff is great thay take the time to help in any way they can and myself and family appreciate it thank you
Gloria Matties
Gloria Matties
Joe was so kind and helpful when I reached out with questions concerning my auto ins. He gave me honest, no pressure advice that I was very appreciative of. Looking forward to working with him in the future.
Meteor Burger
Meteor Burger
Saved me so much money even after knowing I got 15 points on my license 🙏🏾🙏🏾
Jalane Majette
Jalane Majette
Hands down the best company and people you will ever deal with! If you want affordable coverage and a team that truly cares about you and goes out of their way to get you the best rates for your renewal even without being asked, this is the place for you. They are honest and hard working. That is rare to find these days. I will be a lifetime customer of A. Young Insurance!!!
Heidi Shock
Heidi Shock
Joe Leduc was very responsive in responding to my request for quote and understanding my needs to provide me policies that were very competitive. I appreciate his attention to customer service.
John Barton
John Barton
Kasia was such an amazing help and so quick in completing the changes I needed. Wouldn’t get my insurance anywhere else!
Laura Thomason
Laura Thomason
It was excellent thank you
Charla Davis
Charla Davis
A. Young Insurance Agency!!! Amazing work!! I worked with Andrea during my home insurance process. She worked to get the best pricing available. She kept me in the loop at all time. I really appreciate. A. Young Insurance Agency team. I definitely will recommend. Thank you again!
Clarence “CLA” Rice
Clarence “CLA” Rice
I had a great experience with my Agent Andrea… I was comparing home policies..As a senior citizen She explained various companies and ways I could save money each month…and she called me back couple times ON time as I requested…Thanks AgainSandra
Sandra Johnson
Sandra Johnson
Kelly is the agent that I see she is always been there for me and my wife and she is a great help and I thank her so much?
william Gentle
william Gentle
Friendly, great service ,The staff are awesome.
wildman687
wildman687
Kasia was golden, helped me at last minute with my issues. Helped me save money and everything. It was the greatest pleasure working with her.
Slugg 1101
Slugg 1101
Keseac , is the agent who helped me with my insurance and she was so helpful and kind and knowledgeable and understanding and looked for the best way for me to save money, But keep my car is insured and covered. I am truly very grateful that we have switched to a young insurance agency.
Sharon Schmitt
Sharon Schmitt
😆😄such warm generous to work with, they are by far the people to work with!! For all your insurance needs ! I am amazed by how much of a load it took off -we needed them and we have appreciated all the work they do!! Great Neighbors too!
Kathryn Hawley
Kathryn Hawley
Joe did an awesome job at getting me a new great insurance quote on my auto & I appreciate it more than you know!! Thank you Joe!!
Kristen Hebb
Kristen Hebb
They are hands down the best insurance company that I've ever dealt with! Shannon helps us every 6 months with our policy and they make it affordable for me to be able to have insurance on my vehicles! Shannon and Ron are definitely very down to earth people that care about their community and customers! I would highly recommend them to anyone!
Christopher McCall
Christopher McCall
If you're looking for great customer service and the lowest prices, then reach out to A. Young Insurance Agency. Kelly went out of her way to answer all the questions I had on renters' insurance and then combined them with my auto insurance for a better discount. I purchase my auto insurance from Joe back in April, and he provided a great customer experience at a time when everything in my life was a little hectic. Thank you both of them!
Vicki Briggs-Gamache
Vicki Briggs-Gamache
I had a great experience here. Larry really helped me through the difficult task of obtaining auto and renter's insurance. He went above and beyond to help me understand and compare different quotes and policies.
Char Woods
Char Woods
Great agency. Very responsive, friendly and easy to work with.
Hockey33
Hockey33
Joe Leduc is my agent. Joe finds me the best policies for my house in my car. I I know I’m saving a lot of money which means a lot to me and I’m getting the best coverage. Joe researches every company out there and matches me up with the best one I really appreciate his thoughtfulness and his help
Shelley Staffig
Shelley Staffig
Very happy with my insurance agent. He has saved me lots of money over the years. All the staff there is professional and courteous.
angela pollard
angela pollard
Great rates and quick to respond to inquiries! Recommend highly!
Jenny Kemp
Jenny Kemp
I’ve been working with John and the agency for years now, for both car and renter’s insurance. They have been fantastic, thorough, very easy to communicate with, incredibly helpful, and always proactive if there is something they see that can be changed for the client benefit. I love working with them and my needs are ALWAYS met.
Brooke Eason
Brooke Eason
Would highly recommend A.Young InsuranceAlways very helpful.Explains everything so wellAll the staff are always friendly.
Joanna Kinsella
Joanna Kinsella
Joe has taken great care of my insurance needs and my mothers. Always so friendly!
Ashley Nettles
Ashley Nettles
i have recommended this agency
Cedric Stroud
Cedric Stroud
Its a good place i love it
Ahmed Fayyaz
Ahmed Fayyaz

1400 Scott Lake Road, Suite AA
Waterford, MI 48328