What is auto insurance?
Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.
Auto insurance provides property, liability and medical coverage:
- Property coverage pays for damage to or theft of your car.
- Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
- Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements.
Most auto policies are for six months or a year. Your insurance company should notify you by mail when it's time to renew the policy and to pay your premium.
Why do you need auto insurance?
It's really all about protecting yourself financially.
- If you're in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.
- If you or any passengers are injured in an accident, medical costs can be extremely expensive.
- If you or your car is responsible for damage or injury to others, you may be sued for much more than you're worth.
- Not only is having insurance a prudent financial decision, many states require you to have at least some coverage.
Minneapolis Auto Insurance
Minneapolis, nicknamed "City of Lakes" and the "Mill City," is the county seat of Hennepin County, the largest city in the U.S. state of Minnesota, and the 48th largest in the United States. Its name is attributed to the city's first schoolteacher, who combined mni, the Dakota word for water, and polis, the Greek word for city.
Minneapolis lies on both banks of the Mississippi River, just north of the river's confluence with the Minnesota River, and adjoins Saint Paul, the state's capital. Known as the Twin Cities, Minneapolis-Saint Paul is the 16th-largest metropolitan area in the U.S., with 3.5 million residents. The 2010 Census had the city's population as 382,578.
The city is abundantly rich in water with over twenty lakes and wetlands, the Mississippi river, creeks and waterfalls, many connected by parkways in the Chain of Lakes and the Grand Rounds Scenic Byway. It was once the world's flour milling capital and a hub for timber, and today is the primary business center between Chicago and Seattle. It has cultural organizations that draw creative people and audiences to the city for theater, visual art, writing, and music. Minneapolis' community's diverse population has a long tradition of charitable support through progressive public social programs, as well as private and corporate philanthropy.
North Central Insurance Agency is an independent agency with the customer in mind. We have relationships with dozens of insurance companies, allowing you to get the right price with the right service. We offer auto, home, business & commercial, life & health insurance in Elk City, Minneapolis and surrounding areas in Minnesota.
(Source:
Wikipedia.org)
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