While we enjoy living in Springtown, far from Dallas traffic, less crowded roads don't negate the need for good auto insurance coverage. Whether you're driving through the city in Fort Worth or on your Ranch in Wise County, make sure you have the right automobile insurance for you.
What is auto insurance?
Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium, and the insurance company agrees to pay your losses as defined in your policy. We take pride in helping our local customer find the best insurance rates and policies for them. We only sell "A" rated companies who are financially stable—which means better ability to pay claims. Presently quoting 17 carriers. Some of these high quality companies are;
           
Please note the claims process is just that, a process for making a claimant whole, after the event which caused the loss.
Auto insurance provides property, liability and medical coverage:
- Property coverage pays for damage to or theft of your car.
- Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
- Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements.
Most auto policies are for six months or a year. Your insurance company should notify you by mail when it's time to renew the policy and to pay your premium.
Why do you need auto insurance?
It's really all about protecting yourself financially.
- If you're in an accident or your car is stolen, it costs money (often a lot of money) to fix or replace it.
- If you or any passengers are injured in an accident, medical costs can be extremely expensive.
- If you or your car is responsible for damage or injury to others, you may be sued for much more than you're worth, leaving your assets vulnerable.
- Not only is having insurance a prudent financial decision, many states require you to have at least some coverage.
Questions to ask your agent
At RAM Insurance Services, your independent agent is an advocate for finding auto insurance that meets your specific needs. Here are a few things to consider as you prepare:
- How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)
- What is the insurance company's level of service and ability to pay claims?
- What discounts are available? (Ask about good driver, multiple policy and student discounts.)
- What's the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)
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