Auto Insurance Fishers IN
Get your auto insurance in Fishers IN with the agency that cares with the most affordable prices.
Getting protection for your vehicle has never been easier!
Quality service
Are you looking for auto insurance in Fishers, IN? You’ve come to the right place! You might be wondering what auto insurance you need, what the different policies mean, or even what auto insurance covers. The Hammel Family Insurance Agency will answer any questions and help with any concerns you may have. Our agents care about you and your coverage and will always make sure you get what you need at the most affordable prices. We have coverage options that enable you to get the auto insurance policy you want. We can help make sure that all of our customers’ assets are protected and will receive premium excellent service from start to finish!
Insurance Requirements
If you are driving a vehicle you must adhere to state laws regarding minimum auto insurance because it will protect you and other parties in case you are in an accident. Indiana’s car insurance laws require that drivers have 25/50/25 minimum liability insurance coverage for their cars. As per the law, your insurance policy must have a limit of $25,000 per person in bodily injury, $50,000 per accident and $25,000 in property damage. Liability insurance provides coverage for damage caused to others if you’re at fault; whether you injure them and/or damage their property. All policies separate liability coverage into two different parts; Bodily Injury Liability and Property Damage Liability. Bodily Injury pays for covered damage if you hurt someone and property damage pays for covered damage if you damage someone’s property. If you do not comply with the state’s minimum insurance requirements you may be charged with fines, penalties and your license may be suspended.
Bodily Injury Liability
Bodily Injury Liability is the coverage that protects your financial interests if by accident you injure someone. This part of the policy pays the other person(s) medical and related bills. Since medical care is expensive, you shouldn’t carry liability limits that are too low. It’s important to remember that if you accidentally injury someone, their medical expenses may exceed your bodily injury liability coverage therefore you’ll have to pay out of pocket. It’s better to have more bodily injury liability than not enough. That’s why we will help you decide how much you should carry.
Property Damage Liability
Property Damage Liability is coverage of other people’s physical property such as their car, house, garage, etc. This is the part of the policy that will pay for the repairs to the other person’s damage you caused. Property damage liability coverage usually does not cover damage to your own vehicle. You may want to consider other coverages, such as collision coverage, to help cover the cost to repair your own vehicle.
What is a Deductible and what is a Premium?
When you purchase an auto insurance policy you can usually choose one with a higher deductible to lower your premium or choose to pay a higher premium for a lower deductible. But what is a deductible and what is a premium? The premium is the amount you pay for the policy and the deductible is what you pay out of pocket before your policy kicks in, in the event of filing a claim. On the other hand, if you’re worried about a higher deductible being too much for you, you can select a lower deductible and pay a bit more for your premium.