If you're in the market for upgrading or changing your auto insurance, give Encompass car insurance a serious look
Encompass car insurance offers drivers a lot of great policy options. The car insurance you choose is extremely important because it's supposed to provide you and your loved ones with plenty of protection in the event of a car accident. If you build the right type of policy, you'll be able to relax in the knowledge that your financial interests and (potentially) your health are covered.
We start with the basics
Encompass car insurance offers the same key policy options provided by all major auto insurance companies. The first important part of your policy will be your liability insurance. This coverage, which comes in both bodily injury and property damage liability, is the insurance that protects other drivers in the event you cause an accident. It takes care of their immediate medical and property damage expenses. The coverage extends to the drivers and their passengers. Liability insurance is a requirement in most states and in fact, each state sets a minimum of liability coverage it requires of licensed drivers. One thing you should know is that minimum coverage requirements rarely cover the expenses incurred in an accident. When you take out liability coverage with Encompass car insurance, make sure you purchase more than your state's required minimum. In fact, it's generally recommended that you take out as much as you can reasonably afford.
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In addition to the liability coverage you will need to put in place, you can add any or all of the following coverage options to any Encompass auto insurance policy:
- Uninsured/underinsured motorists coverage
- Personal injury protection (PIP)/medical payments coverage
- Collision coverage
- Comprehensive coverage
- Loan/lease payoff or GAP coverage
Special options available
Encompass car insurance offers several special coverage options. With the company's accident forgiveness policy, you won't have to pay a surcharge in the event of an at-fault accident. This would be a great option to have if a new driver is included on your policy or if you've bought a new car.
If you decide to upgrade to the company's Encompass One Elite program, the forgiveness policy extends to multiple accidents, not only the first one. This program combines auto and home insurance.
In addition to the accident forgiveness policy, you can also add new car replacement insurance. With this option, Encompass can help protect your investment if you've recently bought a car, including if you've bought one for your teen. If the car is involved in an accident, you can either get a brand new car of the same make and model or a newer car if your model is no longer available.
In order to qualify for this coverage, you have to make sure that:
- Your car is four model years old or younger.
- You are the original owner of the car.
- Repairs would cost more than the car is worth
Encompass car insurance may be one of those options that isn't on your radar screen. It might help if you spent some time visiting with a local, licensed car insurance agent familiar with companies like Encompass. An agent will be able to show you a variety of coverage plans that will fit your budget and your driving needs and can answer any car insurance question you may have. Reply! can help and put you in touch with local car insurance agents eager to earn your buisiness by showing you the many different ways for you to save while getting the best insurance possible.