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Arkansas Insurance Blog

Should I File An Auto Insurance Claim?

If you’ve been in a minor car accident, you have likely wondered if you should report the damage to your auto insurance company or pay for it yourself. If the accident does not involve any other vehicles or someone else’s property, check to see if the repair estimate is less than your deductible. Let’s say you back into the basketball home in your driveway and it causes $800 of damage to your vehicle. You check your insurance policy and learn that your deductible is higher than the damage estimate at $1000. In this scenario, filing a claim may hurt you because the insurance company will not contribute any money to this incident, but your rates may also increase at renewal time. However, if you are involved in a vehicle with another person or hit someone else’s property, you should contact your insurance immediately. Your liability coverage can help pay for any property damage or injuries you are at fault for and your legal defense costs if you are sued up to your policy limits. 

Additionally, if you choose not to report the accident to your insurance company and any other party involved decides to make a claim for accident related injuries or damages, your insurer may deny coverage. Consequently, as a general rule of thumb, you’ll want to involve your insurance company if a third-party is involved in the accident to ensure that your best interests are protected.

Whether you are shopping for your first auto insurance policy or are up for renewal, the Adams Insurance & Financial team is ready to assist. Proudly serving Northwest Arkansas, we are happy to offer no-obligation consultations for any interested customers to learn about our insurance services.

Auto Insurance for Multiple Vehicles

Do you have multiple drivers in your family, and you want to work with us at Adams Insurance & Financial to protect your Northwest Arkansas vehicles? Then, you need to learn more about insuring multiple vehicles at the same time to give yourself the insight that you need here. 

You Can Insure Multiple Cars 

If you want to bundle multiple cars onto the same insurance policy or with the same company, they usually provide you with a few different options and will even cut you a deal on your premiums and other costs. The number of cars you can bundle will vary based on a few factors. 

The Maximum Number of Bundled Cars 

Most insurance companies will let you bundle at least four cars and four drivers on one policy. However, that may vary according to the policy and the company. Some may take on fewer while others take on more. Check with your provider to learn more here. 

Insuring With Multiple Companies 

In some situations, it might be more financially beneficial to insure multiple vehicles with a few different companies. This option is a good choice if you get a great deal with one provider over another. That said, you usually save more if you bundle with one company. 

Different Insurance Coverage is Available 

You don’t have to get the same policies for each vehicle that you insure. For example, if you have one car you rarely use, you might want to give it the bare minimum of coverage to save yourself a little money. Or you can create a comprehensive package with the same level of protection.

Protect Yourself and Your Family 

Finding a great insurance policy for multiple vehicles doesn’t have to be a complex process. By working with us at Adams Insurance & Financial in Northwest Arkansas, you can get the incredible protection that you need. 

Does my auto policy cover the driver or the vehicle

Auto insurance provides protection when you are on the road. Most states have requirements for how much auto insurance you must have. The amount and type vary by state. It is up to you as the auto owner and as a driver to know the requirements in your state. At Adams Insurance & Financial in Northwest Arkansas, you can count on us for all your auto insurance needs. We specialize in giving our customers more than just ordinary customer service; we go above and beyond to make sure you get exactly the coverage you want. 

When you own a car, you need to have auto insurance to protect yourself and your vehicle. You may wonder if you, as the driver, are the one that is covered or if it is your vehicle. The occasion may arise when you drive a vehicle that is not your own, and you may wonder if you are covered. You may also allow someone else to drive your vehicle, which is not listed on your insurance policy. Generally speaking, the vehicle is what is covered. This means no matter who you allow to drive your car; your insurance will be responsible in the event of an accident. 

This could leave you being responsible for the deductible. It is something you should discuss with the person who is using your car before the actual event. It is also something to consider yourself if you have an accident in a vehicle that belongs to someone other than yourself. An exception is when you rent a car, and in this case, your personal insurance will provide the same protection in the rental vehicle as you have on your personal vehicle. 

When you want customized auto insurance, contact Adams Insurance & Financial in Northwest Arkansas, our customer service won’t disappoint. 

Do I need auto insurance in Arkansas?

Residents of the Northwest Arkansas area are going to find that it is a lot easier to get around town and get all of their daily tasks done if they own a car. If you do go out and purchase a vehicle, it is also very important that you get the right insurance policy. There are several reasons why you will need to get auto insurance when you own a car here. 

The State Requires Coverage

One of the reasons you will need to have auto insurance here is that the state will require it. If you choose to purchase and drive a car, you need to meet the state’s minimum auto insurance requirements that state you need to have liability insurance. This coverage ensures you are able to pay for any damages that you cause in an accident. If you are caught without coverage, you could face serious penalties. 

Coverage is Required by Lender

Another reason that you are going to need to get auto insurance is that it is going to be required by your lender. Many people that purchase a car are going to take out an auto loan. If you do have a loan, the lender will want you to have a full collision and comprehensive policy. This ensures that their collateral is protected against many forms of risk, including theft and vandalism. 

As you are looking for a new auto insurance policy in Northwest Arkansas, calling Adams Insurance & Financial would be a good option. The team at Adams Insurance & Financial knows the complexities that come with picking auto insurance. They will be able to answer all of your questions while helping you to choose a policy that will give you the right protection. 

Servicing States

  • Arkansas
  • Oklahoma
  • Missouri
  • Texas
  • Tennessee
  • Georgia

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Partner Carriers

  • All-State
  • Equipment International Insurance Company
  • Foremost
  • Hagerty
  • K&K Insurance
  • MiniCo
  • Nationwide Insurance
  • Progressive
  • Safeco
  • State Auto
  • The Hartford