If you’re thinking about buying car insurance
maybe I could help you. My name is James, I’m an insurance agent. I specialize in auto
insurance. There’s a couple of things that you want to take in to consideration when
you’re thinking about car insurance. If you want to just get the basic limits, that’s
PIP and PD, that’s Personal Injury Protection and Property Damage. Most people get that
when they just want to go to the motor vehicle and get their tag and be done with it. However,
if you’ve got a car that either you have a lean or basically it’s of value, you might
want to think about getting comp and collision. That’s where in the event that you are in
a car accident, you have coverages after your deductible. Most people go with about a thousand
dollar deductible, so the first thousand dollars is out of pocket, but then after that, the
insurance company will pay for the damage. One other limit is called bodily injury and
in the event that there was personal bodily injury, at least you would have coverage for
that. So we highly recommend that you get the right coverages that you could afford.
So, again, if you’re thinking about buying insurance, auto insurance in particular, make
sure that you’re well covered.