Auto Insurance

Insurance for Drivers Across the Delmarva Peninsula

 
Understanding how car insurance works is essential for all drivers. Car insurance is required in most states. It also offers peace of mind and ensures that drivers are adequately protected from the financial effects of accidents and other incidents. 

We can help you understand your auto insurance options and get a policy that meets your needs. Contact Wilgus Insurance Agency at our offices in Salisbury, Maryland, and Delmar and Seaford, Delaware, today. 

How Does Car Insurance Work? 

Car insurance is designed to provide financial protection in case of accidents causing property damage or injuries. It may also help cover damage to your vehicle and medical costs for accident-related injuries for you and your passengers, depending on the coverage you choose. 

When you buy car insurance, you pay a premium to the insurance company, and they agree to cover your expenses if you’re involved in an accident, including repairs, medical bills and liability costs according to the policy’s terms and limits. 

If you make a claim, you may pay a deductible, which is the amount you contribute toward your auto repair or replacement before the insurance kicks in to provide coverage according to the policy’s terms. 

What Does Auto Insurance Cover? 

Auto insurance can provide various coverage types. It typically includes coverage for accidents where you are at fault, such as liability coverage for bodily injury and property damage to others. 

Auto insurance may also cover damage to your vehicle caused by collisions, theft, vandalism or natural disasters. Reviewing your policy to understand the specific coverage details and limits your insurance company provides is essential. 

Do I Need Car Insurance? 

Anyone who drives a vehicle should have liability coverage. Delaware and Maryland have minimum insurance requirements that your agent can help you understand. Depending on your situation, other endorsements and policies may also be appropriate.  

Driving without car insurance can result in legal consequences and financial burdens, so it’s crucial to have proper coverage. 

How Do I Get Auto Insurance? 

Getting auto insurance is a straightforward process. Your agent can help you build a policy, research top insurers, and compare coverage options and prices. 

To get a quote, you’ll provide your agent with information about yourself, your location and your vehicle. 

Contact Us 

Contact the team at Wilgus Insurance Agency today to compare personalized quotes for auto insurance. We can help you get the appropriate coverage at a great rate.   


Additional Resources:
Can Bad Credit Affect My Auto Insurance?