Understanding What Your Liable for in a Car Accident

One of the most important things you can do in life is making sure that your vehicles are covered with auto insurance. And while paying for insurance from month to month may seem like a burden, if you ever get involved in an accident, it becomes clear very quickly just how important it is to be covered.

Here’s a quick look at the things you will be liable for if you are in an accident in Arvada, Colorado without insurance and the accident is your fault.

Medical expenses

Any of your medical expenses, as well as the medical expenses of anyone else who was injured, will be your responsibility to pay for. The trip from the accident site to the hospital alone can total several thousand dollars.

Property damage

From the vehicles involved in the accident to any property that becomes damaged, you’ll be liable for the associated expenses. There’s a good chance that you don’t have thousands of dollars put to the side to cover property damage due to an accident, which makes it all the more important to have car insurance.

Towing expenses

When cars are removed the roadways after being in accident, someone has to cover the removal costs. Without insurance, if you’re at fault, you’ll end up having to cover these expenses, which can easily total several thousand dollars, especially if the fire department is called.

If you would like more information about your liability in a car accident, it’s best to contact one of our reputable insurance agents who serves the 80002 area. We have the knowledge and expertise it takes to make sure you get the best policy according to your needs and preferences.

How Does Getting Married Influence Car Insurance Rates?

There are many things that need to be considered before you get married. From assessing any personality conflicts to looking at one another’s financial status, these things truly do matter. And while you might not want to dig too deep into your fiance’s personal business, it won’t hurt to ask him or her about past driving records. After all, once you get married, your spouse’s rates will affect yours.

Here’s a quick look at how getting married can affect your car insurance rates:

They might go up

If you marry someone who recently added two speeding tickets to his driving record, you can bet your bottom dollar that this is going to cause your rates to increase once you add him to your policy. In fact, depending on your insurance provider, you’ll likely see an increase of at least $10 a month per ticket.

They might go down

If your spouse has a spotless driving record, this might help your insurance to go down. If the two of you combine your policies under the same service provider, this will most definitely help you save money because you should qualify for a multiple policy discount.

You might get canceled

If worse comes to worse, you might lose your insurance policy. However, this usually only happens if your spouse was to get a DUI or some other type of similar traffic violation in the 80002 area. Then again, having too many accidents or tickets on his record could cause a cancelation of your policy too.

If you have further questions about how getting married will affect your insurance rates, make sure to speak with a highly qualified insurance agent today. We serve the Arvada, Colorado area, and we’re more than ready to meet all of your insurance needs.