Busick Insurance Agency LLC is a full-service insurance company that proudly serves the great city of Orleans, IN, and who can assist you with automobile insurance needs. Should you find yourself involved in an automobile accident in Indiana, you will likely strive to heal from the accident both physically as well as financially. These tips can help Indiana drivers understand the traffic laws in Indiana to aid in the recovery from an accident and to prevent being held liable in any future accidents.
Indiana is a fault state with regards to settling an automobile accident case. That means that the driver who is found to be over 50% at fault in the accident will be the party that is held liable for damages. However, being informed about the safe driving guidelines in Indiana and adhering to them can decrease the likelihood of being at fault in an accident.
It goes without saying that you shouldn’t drive while intoxicated. In Indiana, this is referred to as an Operating While Intoxicated (OWI) charge, and it applies when a driver has a blood-alcohol level of at least 0.08 or is driving under the influence of a controlled substance. This can result in a fine, a criminal charge, and being found at fault should an accident occur. If you have been drinking, you can avoid this by calling a cab or an Uber to take you home.
It’s also important to not text and drive. Indiana has a Distracted Driving law that prohibits typing text messages, transmitting messages, and reading emails while driving. Doing so can result in fines up to a maximum of $500 as well as being found at fault in an accident.
If you live in Indiana, and have further questions concerning automobile insurance, or are seeking coverage, contact Busick Insurance today.
When it comes to financing a vehicle, there are specific requirements that need to be met to get the funding necessary for a purchase. One of those requirements is full coverage auto insurance. Most require a certain amount of full coverage rather than allowing the buyer to select a coverage amount, and this also includes carrying comprehensive insurance.
What is Comprehensive Insurance?
Comprehensive insurance protects the vehicle against a variety of risks, whether it is parked or cruising down the highway. This type of insurance covers animal damage, hail, theft, and many other scenarios. This type of coverage is available in a variety of amounts. It usually has a deductible that the owner of the vehicle must meet before the insurance coverage pays the claim. Those who are considering financing a vehicle should consult a licensed insurance agent to obtain the correct insurance amount so they can complete the sale of the vehicle.
Working With an Auto Insurance Agent
Before buying a vehicle, consult with an auto insurance agent to get a quote and compare it with other providers. Don’t be afraid to ask questions and find out what the fine print for each policy entails. Not all auto insurance policies are the same, so make sure the one selected provides adequate coverage with an acceptable deductible to avoid complications if there is a covered incident. Those who live near Paoli or Orleans, IN can count on Busick Insurance Agency LLC to provide the quality insurance products necessary to get peace of mind
Don’t guess when it comes to auto insurance policies. Get assistance from a knowledgeable insurance agency with licensed agents who can guide customers through the policy buying process and assist with claims. Call or stop by Busick Insurance Agency LLC, proudly serving Paoli and Orleans, IN.
If you live in the Paoli or Orleans, IN area, you’re surely in for a brutal winter. There are some things you can do to prepare, such as switching some things out on your vehicle and getting maintenance on it. Also, you can talk to experts at Busick Insurance Agency LLC about auto insurance options that are ideal for this harsh time of year.
Check the Oil
Make sure you’re using the right type of oil for cold weather. This is because the cold will affect oil viscosity. Then, your vehicle may not function properly.
Check on Belts and More
Take a look over the belts, hoses, and battery in your car. Low temperatures can affect all of them. You might need to replace your old battery, especially if it’s more than three years old. You should also make sure that you have working windshield wipers and that you have enough windshield wiper fluid to avoid visibility issues.
Headlights and Brake Lights Are a Must
Speaking of visibility, it’s crucial that other drives can see your automobile. Since the winter is full of gray days and heavy snow, you should have brake lights and headlights that are in top condition. Check them often to be sure that there is no snow on them.
Tires Are Important Too
Check the tire pressure on your car’s tires often as well as that they have enough tread. If you’re hesitant to do this yourself, bring your vehicle to an auto shop. You should have chains in your vehicle at all times.
Even when you do all this and other protective measures for your vehicle, accidents and other issues can happen. If you’re in Paoli or Orleans, IN and want to learn about your auto insurance options, contact Busick Insurance Agency LLC right away.
When it comes to getting the right auto insurance for your needs, there are several things you’ll want to focus on. But the main issue is ensuring that you work with an Orleans, IN area insurance agency that you feel good about. You can get that feeling with the Busick Insurance Agency LLC where you’ll have the opportunity to talk with a knowledgeable agent about the vehicles you have and how you want to protect them. Not everyone who drives needs the same kind of insurance protection, so working with an agent can help you decide what’s right for you. Here are three things you should know.
- There are a lot of different coverage levels, and the one that’s right for you may not be exactly what you’d expect. Talking with an agent can help you get the proper coverage level for your cars and drivers.
- Your insurance needs can change over time, so it’s a good idea to make sure you’re updating your policy when you get a new vehicle or make other changes to your household.
- As cars age, they might not need as much coverage as they once did. Making sure you’re covering them in a way that adds value to your life is important.
Reach out to us today at the Busick Insurance Agency LLC, and let us help you cover your Orleans, IN area vehicles the right way. Have the peace of mind that comes with good insurance, and an agent you can talk to if you have questions or concerns. It’s also good to go over your policy periodically and make sure your needs haven’t changed. Our agents will be happy to help you do that to keep you and your vehicles protected. Contact us to get started.
When shopping for auto insurance in the Orleans, IN area from a reputable provider like Busick Insurance Agency, LLC, most will always start with the minimum coverage required by the state. While picking up the cheapest policy might allow you to register your vehicle, it won’t necessarily protect you from the high cost of living.
Not Every Accident is a Fender Bender
While your basic auto insurance policy provides some liability coverage that will pay for some repairs to another vehicle and the other driver’s medical bills, it does have a limit. However, if you are involved in a major accident that results in both cars being totaled and major injuries, your policy might max out and you can be left holding the bill.
Fancy Cars Require Expensive Repairs
Even if it is just a fender that needs to be fixed, if all your neighbors are driving luxury vehicles, it doesn’t take much to eat up that maximum limit on your basic policy. If you extend your minimum and maximum coverage, there is a better chance that the vehicle you damage will get fixed with little effect on your savings account. That is what insurance policies are all about, after all.
Can You Afford to Pay the Difference?
Now, maybe you would be able to cover the cost of a repair that added up to a few thousand dollars. But what if the damage to the other car and their injuries totaled well over $80,000? Indiana law requires that your policy only pays for the first $50,000. Where is that other $30,000 going to come from? By talking to your Busick Insurance Agency, LLC representative in Orleans, IN, they can help you find the policy that will fit your situation and ensure that you can continue to enjoy your lifestyle without blowing the budget.
Contact our agents to learn more about an auto insurance policy and try our online rating tool for quotes.