Car accidents are, unfortunately, a fairly common occurrence. Should you find yourself in a crash, you’ll be responsible for paying to have your car fixed or replaced if you don’t have collision insurance. This form of insurance is often required for those that are leasing or financing their car but optional for those that own their car outright. Unlike liability insurance, a collision policy will kick in even if you are found to be at fault.

What’s Covered By Collision Insurance

As previously mentioned, collision insurance covers the repair or replacement of your car should you be involved in an accident. In general, this type of policy applies during

• Single-car accidents where there’s a rollover or a collision with an object such as a fence, tree, or guardrail
• Accidents involving another car, including hit and runs

Though it may not be required, having a collision policy in place to protect against these types of situations can prevent you from paying thousands of dollars out of pocket.

What’s Not Covered By Collision Insurance

It’s important to remember that collision insurance only covers damage to your car and not injuries or damage to other vehicles or objects. Other instances where collision insurance does not apply include weather-related damage, car theft, and collision with animals. If you would like to have these events covered, you’ll need to buy comprehensive insurance as well.

Looking for a Customized Insurance Plan in Middletown, DE?

Contact Blue Hen Insurance LLC Today!

When you need peace of mind that your car is protected in the event of an accident, turn to the professionals at Blue Hen Insurance LLC. Drivers in Middletown, DE have trusted us to provide them with a personalized policy that gives them the right amount of coverage without breaking the bank. Contact our team today to receive your quote.

It is required by law that Middletown, DE residents obtain automobile insurance of various types. Blue Hen Insurance LLC is here to help you navigate the different types of coverage available to you. 

Types of Automobile Insurance Available

One category is PIP or personal injury protection. This coverage is typically purchased in states that follow no-fault laws which declare a person must cover their own expenses regardless of who is at fault for the accident. Delaware is an at-fault state yet still mandates this insurance product. 

PIP will cover your medical costs, and it can also make payment for lost wages. State regulations require you to purchase at least $15,000 per person or $30,000 per collision. 

In addition, you need to procure liability indemnification. Your Blue Hen Insurance LLC representative and go over the exact scenarios that would be included, but generally speaking, it would pay for expenses resulting in property damage to the other party’s vehicle. It will also extend to their hospital bills and lost income. $25,000 is required per person and $50,000 per wreck.

Collision coverage indemnifies your vehicle in the event that you come into contact with another object, and this can include things like a lamp post, a mailbox, or a car. Comprehensive insurance takes care of situations that do not involve a wreck, such as falling tree branches or hailstorms. 

Underinsured protection helps when the other party has insurance but lacks a sufficient amount to cover your costs. An uninsured policy is for situations where another driver has no insurance at all. Gap insurance pays off your loan balance if it is less than what you receive from your settlement. 

Get The Right Coverage Today

We invite you to reach out to us today to discuss your specific situation by phone, online, or in person at the office. We serve those who live in and around Middletown, DE, and we look forward to doing business with you. 

No one wants to be in an accident. They’re costly, stressful, and can sometimes result in serious injuries. But did you know that there are things you can do to reduce your chances of being involved in a collision? Our team at Blue Hen Insurance LLC in Middletown, DE is here to provide you with a guide.

Here are some tips on how to stay safe on the roads:

Become a Defensive Driver

Becoming a defensive driver means being aware of your surroundings and making sure you’re always paying attention to the other vehicles on the road. Additionally, it means obeying the speed limit and following all traffic laws.

Make Sure Your Vehicle Is Always Well-maintained

This means regularly checking your tires, brakes, and lights and making sure they’re all in good working condition. It’s also important to have any necessary repairs made in a timely manner. 

Plan Your Route Ahead of Time

If you know where you’re going and what route you’ll be taking, you’re less likely to get lost and end up in an unfamiliar area. This can help you avoid getting into a situation where you’re more likely to be involved in an accident.

Never Drive When You’re Tired

Drowsy driving is one of the leading causes of accidents. If you’re tired, take a break and get some rest before getting back behind the wheel.

Get Auto Insurance Today

By following these tips, you can help reduce your chances of being involved in an accident. However, even the most cautious drivers can’t always avoid collisions. That’s why it’s important to have quality auto insurance coverage from a trusted agency like Blue Hen Insurance LLC in Middletown, DE. We can help you find the right policy for your needs and budget so that you can rest assured knowing you’re protected in the event of an accident. Contact us today to get started.