Is There a Car Insurance Plan with Unlimited Coverage?

Car Insurance Coverage

Every car owner is expected to purchase insurance to protect against emergencies. A standard auto policy will cover damages caused by vandalism, collisions, and bad weather conditions. However, there are many factors you must consider to ensure that you get the best auto policy for you.

It can be very costly to repair or replace a damaged vehicle, so taking out auto insurance can help protect you from expensive out-of-pocket costs. Your policy kicks in when the damage to your car is caused by a covered accident. You can make claims for medical bills, repair costs, replacement costs, legal defense costs, and more.

Like every type of insurance policy, car insurance has a limit. A limit is one of the most important concepts to understand before purchasing a policy. There is no such thing as unlimited coverage, else policyholders will misuse the opportunity, and providers will acquire significant losses. An insurance limit tells you the maximum amount of money your provider will payout for a covered claim. Your car insurance only covers you up to the extent of your policy.

A typical insurance policy is a collection of coverages, and each of them has a limit. So, you are likely to have more than one limit in an auto policy.

Popular coverages in auto insurance include liability coverage, collision coverage, and comprehensive coverage. These coverages will have three separate limits.

How Are Coverage Limits Determined for Different Insurance Plans?

Your provider determines your limit based on various factors. Multiple coverages call for different limits.

Determining Liability Insurance Coverage Limits

For liability coverage, the limit is determined by that law of your state. Each state mandates minimum limits that motorists must purchase, but it is up to you to increase your liability limits by purchasing more coverages.

Determining Collision and Comprehensive Coverage

Collision and comprehensive insurance cover the following four types of accidents:

  • If your vehicle collides with another and you are at fault
  • Crashing into an object like a tree or mailbox
  • If your vehicle topples over
  • If an uninsured or underinsured motorist hits your car

Here, the limits are determined by the cash value of your vehicle at the time of the accident. That is, you will only be paid the repair or replacement costs equal to the actual cash value of the car at the time of the collision. As a result, your payout may not be able to replace a vehicle that you’ve been using for many years because its worth would have depreciated.  

If the damages exceed the limit of your car insurance, you will have to cover for the remaining out-of-pocket. In this case, additional coverages, like umbrella insurance, can help minimize out-of-pocket costs. This policy kicks in after your existing policy has reached its limit. Although umbrella insurance also has its limit, it is significantly higher than other policies. Therefore, your closest option to unlimited car insurance coverage is through an umbrella policy.

Umbrella insurance is important because it gives you additional coverage for any claims or lawsuits against you or your vehicle. Contrary to common belief, it is inexpensive to purchase as an addition to your other policies, and it helps to protect you against out-of-pocket costs.

Our insurance experts at Miller Carlisle Insurance Services can help you purchase an affordable auto insurance policy to suit your particular needs. Contact us today to get a quote!

What Are the Common Reasons for Distracted Driving Accidents?

Reports have shown that over 2,800 persons were killed, and up to 400,000 were injured in auto accidents caused by distracted driving in 2018 America. Distracted driving is an act that takes a driver’s attention off the road. There are three types of distracted driving. These include:

  • Visual: This is when your eyes are off the road and focused elsewhere.
  • Manual: This is when you give up control of the vehicle by taking your hands off the steering wheel.
  • Cognitive: This is when you are lost in thought, so your mind is not focused on the road.

Visual and manual distractions are dangerous but can be quickly corrected because they are obvious to the driver. On the other hand, cognitive distractions are less noticeable, so they can go on for a long time without stopping.

Engaging in discussion with a passenger or a fatigued mind are some of the reasons for one’s thoughts to wander. The nature of cognitive distractions is particularly problematic, so drivers need to be very aware of their thoughts. You can avoid distracted driving by keeping your mind, hands, and eyes on the road at all times.

Some Common Reasons for Distracted Driving Accidents

  • Cell phones: The National Safety Council reports that over 25% of auto accidents involve the use of cell phones. Simple acts like talking on the phone, dialing a number, texting, or checking for directions on the phone can have serious consequences. Refrain from using your mobile phone in any way while driving.
  • Infotainment systems: Most car brands include interactive screens to convey information and entertain motorists in recent years. Operating the radio, video, tv, and other systems can cause a distraction while driving.
  • Navigation/ GPS systems: Although the idea for GPS and other navigation services is to help the motorist, they can cause distraction. Anything that takes your eyes away from the road, even for a split second, puts you in danger.
  • Temperature and other controls: Most drivers look for vehicles that have temperature regulation systems. It is best to turn on the AC, heat, or other controls before moving the car to avoid distractions.
  • Loud video or radio: Listening to the radio or video on a very loud volume can make it easy for the driver to lose focus.
  • Reaching for things: If an item drops onto the floor of the car, or the motorist needs to get something from the back seat. It is best to keep all your properties close by and secure, and if you have to reach for items, do not do so until you have pulled over.
  • Loud co-passengers: Children, teens, and even adults can be overly noisy as passengers in a vehicle. Noise from your co-passengers can be extremely distracting while driving and preventing you from focusing on the road.
  • Eating and drinking: It isn’t a good idea to eat in a moving car, especially for the driver. Things like spillage, unwrapping food, or reaching for foods can cause distractions.
  • Being lost in thoughts: After a long and eventful day, it can be easy for one’s mind to drift away behind the steering wheel. Daydreaming and a mind filled with worries can steal your attention away from the road. Drivers need to be aware of their thoughts to stop them quickly before it leads to an accident.

Miller Carlisle Insurance Services is your go-to provider for an auto insurance policy. You can rely on us to fulfill all your coverage needs with exceptional expertise. Contact us now to get started!

Understanding the Difference Between Liability and Full Coverage Car Insurance

Purchasing a car is expensive enough without worrying about car insurance cost being unnecessarily high. Although liability car insurance is a must-have in virtually every state, full coverage car insurance is optional. The aim, however, is to understand the two policies and the difference in their coverage and cost. This way, you only have to purchase a policy that best suits your situation instead of buying it all at a high cost.

What Does the Term “Liability Car Insurance” Mean?

Just as its name suggests, liability car insurance is a policy that covers the expenses of the other driver in an accident for which you are found responsible or blamed. However, it should be noted that a liability car insurance policy does not have an unlimited amount of damage coverage.

This policy represents the maximum amount that you are required to pay for either type of coverage, either per person or in total.

There are also minimum requirements that vary by state, but you can purchase policies with a higher limit than that required by your state. This is because lack of adequate coverage for the total amount of damages caused by you could cause you to be sued in a civil court.

The two types of liability car insurance coverages include:

  • Bodily injury liability-which covers expenses like medical bills, lost wages, and compensation for the pain and suffering of the other driver
  • Property damage liability– which covers expenses like vehicle repair costs and damage to buildings or fences of those involved in the accident

What Does the Term “Full Coverage Car Insurance” Entail?

This kind of coverage includes both liability and comprehensive and collision coverage. It can also include medical coverage and uninsured/underinsured motorist coverage. Although it isn’t required by law like liability car insurance is, its coverage is much wider and versatile.

The types of full coverage car insurance are:

  • Collision insurance, which pays for damages to your vehicle after an accident including other vehicles and road hazards. However, there’s no coverage for accidents involving animals.
  • Comprehensive insurance, which pays for accident damages caused by animals, natural disaster, theft, or vandalism.
  • Medical Payments, which pays for medical bills and lost wages for you and those involved in the accident.
  • Personal Injury Protection, which pays for yours and your passengers’ medical bills. It is mostly used in no-fault states.
  • Uninsured/Underinsured Motorist Coverage, which covers the expenses of the other driver if he is at fault and uninsured or does not have full coverage to cover the cost of damages.

A lot of factors determine the cost of these two policies, from age, type of vehicle, driving record, state, and city. So, be well-versed on the two policies and choose one well-suited to you. For assistance with all your insurance needs, contact the experts at Miller Carlisle Insurance Services in Carlisle, PA. We look forward to helping you with all your coverage requirements.       

5 Defensive Driving Techniques to Keep You Safe on the Road

No matter how old you are, practicing safe driving habits is always an essential part of driving. Insurance agents will offer safe driving tips to their clients to encourage them to be as careful as possible. It only takes a second to lose control of your vehicle. Making a conscious effort to be safe will ensure that you take the precautions you need to prevent an accident.

Here are 4 defensive driving techniques to keep you safe on the road.

1. Avoid Being a Distracted Driver

Eliminate distractions that will take your attention away from the road. Put cell phones out of reach or use hands-free technology. Avoid changing the stations on the radio or putting information into the GPS. If you have a young driver in the family, limit the number of passengers to avoid distractions.

2. Be Aware of Your Surroundings

Always be perceptive of your surroundings, including road conditions and any construction that may be in progress. If someone is stranded by the side of the road or the police has made someone pull over, move aside, and give a wide berth to prevent hitting the disabled or otherwise detained vehicle. Look around your vehicle and be aware of where other drivers are and what they are doing.

3. Don’t Rush!

Always take your time. Rushing is when accidents are most likely to happen. Take a little extra time to get where you need to be. If you don’t want to risk being late, leave a little earlier than usual. Slow down and drive as close to the speed limit as possible. Everyone on the road has somewhere they need to reach. Remember that the way you drive will determine how safe you and the others reach their destination. The extra few seconds you take to be mindful of what is happening around you may make a world of difference in preventing a major accident.

4. Defensive Driving Courses

Defensive driving courses are a great way to brush up on your driving skills. These days, most courses are offered online and contain the most up-to-date information possible regarding laws and defensive driving safety tips. Successful completion of such courses may even get you a discount on your auto insurance policy. Defensive driving courses aren’t just for young drivers. They are an excellent way for a seasoned driver to reinforce what they already know.

5. Know What Your Policy Covers

Knowing your unique needs and the terms of your existing policy will help you re-evaluate your needs in line with the available insurance coverage. You can talk to your agent for additional coverage if your current policy doesn’t cover all your auto insurance needs.

Following these five defensive driving techniques could spell the difference between life and death not only for you but also for others on the road.

In addition to these techniques, make sure that you have the right auto insurance coverage to meet your unique car insurance needs. For assistance with all your insurance needs and questions, contact the experts at Miller Carlisle Insurance Services in Carlisle, PA. We will help you get the right coverage you need.

Tips and Ideas for Cutting Car Insurance Coverage

Keeping your car insurance costs low is important, especially if you are on a tight budget. The following tips and tricks will allow you to save a chunk of cash from your insurance costs for the year. Saving money on your auto insurance can be a family affair and is a great way to teach young drivers the benefits of good grades and practicing safe driving habits.

Good Driver Discounts

Good driver discounts apply to each family that can maintain a good driving record. This normally means no tickets, warnings, or accidents. With the small beacons that are now being offered, your insurance company can monitor your driving habits by monitoring the computer in your vehicle. The safer you drive, the higher your grade. Maintaining a high grade with no tickets or traffic infractions may be able to get you a lower premium.

Take a Driver’s Education Class

Many drivers are finding out that taking a Safe Driver, Defensive Driving, or Driver Education course not only refreshes their driving skills but also knocks a few dollars off of their premiums each month. The courses are also designed to update a driver’s knowledge regarding the rules of the road. It’s a great way for older drivers to brush up on many of the lessons they may have forgotten over the years. You’re never too old to learn something new. Enrolling in a drivers’ education class may be just what you need to reacquaint yourself with the rules of the road.

Bundle Your Home and Auto Policy

Bundling your home and auto policies makes less work for your insurance agent and lower premiums for you. It allows you to access all of your policies in one convenient location, so you don’t have multiple policies to review or premiums to pay each month. The more you can bundle into one policy, the more you will save over the life of your policy. Reviewing your bundled policies every few years will make sure you are only getting the coverage you need.

Encourage Your Student to Get Good Grades

Just like the good driver discount, students can earn discounts as well. Students who can maintain a high-grade point average are proving themselves to be responsible. This will reflect in their driving record as well. Insurance companies are quick to reward those students who go the extra mile. Students, who are star students, as well as competitive athletes, are also more likely to bring home better grades and score lower auto insurance premiums.

Increase Your Deductible Limits

You can generally choose a deductible when selecting your car insurance. A deductible is an amount of money you will pay before the insurance begins to pay in the event of an accident, theft or any type of damage to the vehicle. Depending on the policy, deductibles usually range from $250 to $1,000. But usually, lower deductibles mean higher annual premium. Ask your agent how your premium might be affected if you raise your deductible. If you don’t want to file for smaller claims to avoid the risk of increasing your premium, raising the deductible is a practical move to keep premiums low.

At Miller Carlisle Insurance Services, the agents always look for ways to help their clients save money. They offer several tips designed to lower premiums and help their clients maintain the coverage they need. When you are ready to review your auto insurance coverage, call your agent and schedule a consultation to get the best possible rates for all of your insurance needs.

Covering Engine Failures with Your Car Insurance

Depending on the additional features in your car insurance policy, your engine failures may or may not be covered. Here are three auto insurance features that cover engine failures.

1. Collision Coverage

As the name implies, collision coverage is a type of no-fault coverage covering the cost of repairing or replacing your car if an object or another car wrecks or damages your car, whether or not you’re liable for the damage. Of course, this coverage extends to your engine, meaning it covers your engine when a covered peril causes engine failure or damage. Because collision coverage only covers your car in the event of a collision crash, it excludes most other common auto insurance perils that may lead to the failure or loss of your car’s engine, including, among others, wear and tear, theft, and fire.

2. Comprehensive Coverage

Unlike collision coverage, comprehensive auto insurance coverage covers non-collision damage to your car. Some of the covered perils under comprehensive coverage include:

• Explosion
• Fire
• Theft
• Falling objects

In essence, if a covered event, such as a fire, leads to engine failures, you can file a comprehensive coverage claim for engine failures. Of course, when filing such a claim, you would need to prove the named peril is directly responsible for the engine failures. For this reason, you should perform regular maintenance on your car’s engine and store the maintenance records in a safe place because they’ll help you build a strong case when filing a comprehensive coverage claim for engine failures.

3. Alternative Coverage

If your car insurance coverage offers no coverage for engine failures, you should purchase supplemental coverage. Some of the additional car insurance coverages you should consider carrying include:

• Manufacturer’s powertrain warranty
• Manufacturer’s bumper-to-bumper warranty
• Extended warranty
• Mechanical breakdown warranty

These are the three auto insurance features that cover engine failures. For assistance with all your auto insurance coverage needs and questions, contact the experts at Miller Carlisle Insurance Services in Carlisle, PA. We will help you get the right coverage you need.

Getting a Good Car Insurance When You are Under 25

If you are a young driver aged 25 years or younger, you can get good car insurance coverage, especially if you shop around and compare different coverages. Here are some of the key factors to consider when shopping for such coverage:

1. Mandatory and Optional Auto Insurance Coverage

When it comes to auto insurance, most states across the U.S. require motorists to carry auto liability insurance coverage. However, in addition to liability insurance, some states require motorists to have supplemental insurance coverage, such as personal injury protection and uninsured motorist coverage. As a young driver, you should be well aware of your state’s car insurance coverage requirements and buy the necessary mandatory coverage. Besides the mandatory coverage, you may also want to purchase additional coverage to cover your car, passengers, and yourself.

2. Car Insurance Discounts for Those Under 25

Most auto insurance companies have discount programs aimed at young drivers. Examples of these discount programs include:

• Good student discounts –

Designed for young drivers aged 25 or under who are full-time students, these discount program aims to reward academic overachievers. To qualify for such discounts, you have to achieve and maintain the academic performance metrics set by your insurer.

• Renters insurance policy discounts –

Suppose you are staying in a rental property and have renters insurance coverage. In that case, you may qualify for a multi-coverage discount provided you purchase both your car insurance and renters insurance coverage from the same insurer, especially an insurer that offers bundled pricing.

• Employer-specific group discounts –

Most auto insurance companies offer employer-specific group discount programs. It means that you may qualify for a car insurance discount if you work for a business or organization with such a program. To find out if your company/organization is taking part in such a program, speak with your HR department.

If you’re a young driver aged 25 years or younger, use these tips to get good auto insurance coverage. For assistance with all your auto coverage needs and questions, contact the experts at Miller Carlisle Insurance Services in Carlisle, Pennsylvania. We will help you find the best auto insurance policy.