Is a Dead Battery Covered by Auto Insurance?

Car batteries tend to die when you least expect it, sometimes leaving you scratching your head wondering how you can afford to fix it in Lynnwood, WA. A dead battery often brings up the question, “Does my auto insurance policy cover a dead battery?” The answer to the question is “No.” Unfortunately, auto insurance policies do not cover car batteries that die from wear and tear. 

Though your auto insurance does not cover your dead battery, call our agents at Sound Choice Insurance Agency Inc to learn what is covered. 

Car Battery Costs

Depending upon the vehicle and brand of battery purchased, it can cost between $50 and $200 to replace a dead battery. This amount is typically far less than most deductibles, which means that it would not be worth filing a claim even if your auto insurance policy covered it. 

Roadside Assistance

If you have roadside assistance with your car insurance company, should your battery die, you do have coverage for help jump-starting your vehicle or towing it to a repair shop. However, there may be a mileage limit to your roadside assistance towing coverage, which means you may have a bill to cover any additional mileage. 

In addition to helping jump your battery or tow your car, roadside assistance also covers fuel deliveries, lockout services, and changing a flat tire. Purchasing roadside assistance with your insurance plan can range from $20 to $40 or more per year, with prices varying by car insurance plan and company. 

Though you cannot buy car insurance to cover a dead battery in Lynnwood, WA, the experts at Sound Choice Insurance Agency Inc can help you find the best car insurance available for your vehicle.

Do I need auto insurance in Lynwood?

People that live in the Lynnwood, WA area will find that it is easier and more efficient to live in the area if you are a vehicle owner. While there is a lot of conveniences that come with owning a car, there is a responsibility as well. Those that are going to buy a vehicle in this area of the state need to get auto insurance for a few different reasons. 

You Need Coverage to Protect Car

A reason that you may need to have an auto insurance plan here is to ensure you are able to protect your vehicle. A car is a very important investment that you need to protect as well as you can. When you get an auto insurance plan, it can come with collision and comprehensive coverage. When you do receive this protection, it will provide you with coverage so you can repair or replace it following an accident, theft, or other incidents.

Having Coverage is Required

You will also need to get an auto insurance plan because it could be a requirement for you. When you own and drive a car, you are legally required by state law to have liability insurance. Further, if you have taken out a bank loan to buy the car you may be required to have a full collision and comprehensive policy. Having auto insurance will help to keep you in compliance. 

Having an auto insurance plan in the Lynnwood WA area is needed for most people. If you are looking for a new insurance plan here, it would be wise for you to call Sound Choice Insurance Agency Inc. The team with Sound Choice Insurance Agency Inc understands how important it is that you have this coverage. They can help you build a plan that protects you appropriately. 

What is Covered in Auto Insurance?

When it comes to obtaining auto insurance, it is important that you know details about auto insurance. Whether you want the minimum auto insurance legally required by your state or you want full coverage that will cover as much as possible, it will behoove you to know what all is covered in auto insurance. It is also important to know what is covered in your state for every state has its own regulations concerning different types of auto insurance coverage. Thus, the following are various types of auto insurance and what each one covers: 

  • Bodily injury liability- this applies to someone’s injuries caused by the designated driver, you.  When driving another person’s vehicle with their permission, you and your loved ones are covered. 
  • Medical payments or personal injury protection (PIP)- the policyholder’s vehicle covers passengers and the driver’s injuries. 
  • Property damage liability- covers the other person’s property damages from a car accident caused by you or a driver who you permitted to drive your car. 
  • Collision-whether you are at-fault or not, your damages, you and your passengers’ injuries,  and the other party’s injuries and damages are covered. This coverage is also for damage caused by potholes.  Also, if the accident was not your fault, your insurance company can fight for you in getting reimbursed from the other party who is at fault.
  • Comprehensive- you will get reimbursed for losses due to accidents caused by an object or another vehicle, acts of nature, such as a windstorm, earthquake, or hail,  and other derivatives of damages, such as fire, or vandalism. 
  • Underinsured and uninsured motorist coverage- this covers you, your family, and someone you permitted to drive your car when an accident is caused by a driver with no or not enough insurance. 

Conclusion

If you live in the Lynnwood, WA, or any area in Washington and you need assistance with auto insurance, contact Sound Choice Insurance Agency Inc. Sound Choice Insurance Agency Inc has been serving Lynnwood, WA and surrounding areas for decades. Thus, they will steer you in the right direction with auto insurance. Contact them now!

Why should you maintain your car battery?

If you have a dead battery, you have a dead car. Nearly everyone has had the inconvenience of turning on the ignition only to hear the sickening sound of the engine not turning over. A dead battery means a jump or a tow truck and a trip to the dealer to get a replacement, not to speak of a check to see if you have a fault in the charging system that is draining the battery.

Clearly, as Sound Choice Insurance Agency Inc serving Lynnwood, WA is pleased to explain, maintaining your battery and your car’s charging system is important to prevent you from getting stranded.

Keep the terminals clean by checking them about once a month and, if you find dirt or rust, disconnecting the battery and applying a wire brush.

Make sure that accessories such as the car radio are turned off when you first start the car.

If you are not driving for a lengthy period, for instance, because you are going on vacation, disconnect the battery. Some accessories such as the clock use a little bit of charge even when the car is not in use. Also, you should drive your car at least twice a week for about 30 minutes to keep the battery charged.

Make sure that the battery and charging system is checked when you take your vehicle in for scheduled maintenance.

Usually, a battery comes with a predetermined life, such as three years or five years. Consider getting a replacement even if your old battery seems to be working well when it nears the end.

For questions on car insurance contact Sound Choice Insurance Agency Inc serving Lynnwood, WA.

Mistakes to Avoid When Buying an Auto Insurance

Auto insurance is something that you, as a car owner, should have. It protects you, your family, and the vehicle in case you got involved in a car accident, or if your car is stolen or damaged. However, if you are unfamiliar with the process of choosing and buying insurance, you might be at risk of making a mistake. Sound Choice Insurance Agency Inc. in Lynnwood, WA has prepared the list of mistakes you should avoid when searching for auto insurance:

Not Shopping Around

You may think that all insurance companies offer the same type of auto insurance. However, it is not true. Each insurance company is different in terms of their offers and discounts. Therefore, it is extremely important to shop around and to call at least a few companies to choose the one you can trust. 

Not Getting Enough Coverage

We understand that you want to save some money and do not want to spend a lot on your car insurance. It might be tempting to get a minimum level of coverage. However, you might regret your decision later if you have a really expensive accident or repair.  When buying insurance, make sure you have at least minimum coverage recommended by your insurance agent.

Not Knowing Your Policy

One of the most common mistakes people do is signing the papers before reading them carefully. It is extremely important to know and understand what exactly is covered and what is not before getting insurance. It will give you peace of mind and allow you to focus on other more important areas of your life. 

Sound Choice Insurance Agency Inc. in Lynnwood, WA is a company with almost 40 years of experience that is here for you and is ready to help to find the best coverage for your vehicle. Contact us today to find out more about insurance options and policies we offer. 

Is Washington a No-Fault State for Auto Insurance?

The state of Washington is an “at-fault” state. This means that the court determines who is the person at-fault, for causing an accident, and makes that party responsible. There is a legal requirement in the state of Washington for anyone operating a vehicle within the state to have auto insurance that is at least a bare minimum.

Shared Fault

Sometimes an accident is caused by the fault of more than one person. In such a case, the court will decide of what percentage is each party’s fault and divide the fault up between all the parties that the court decides had some part in causing an accident.

These types of accidents are the ones that typically are heavily disputed. Assigning fault is somewhat of an arbitrary decision. Some facts and decisions about them can be rule-based; however, much of the final determination may come down to a matter of a judge’s opinion.

The Advantages of No-Fault Insurance

No-fault insurance does not require a determination to be made by the court regarding who caused the accident. The insurance provides coverage for the insured party, up to the limits of the policy, regardless of who is at fault. If there is other insurance available to help pay for the claim, then the insurance company will seek reimbursement from the other insurance company.

Ask your agent at Sound Choice Insurance Agency Inc, serving Lynnwood, WA and the surrounding area, to give you good advice about no-fault coverage.

Even though there is no legal requirement to carry no-fault insurance in the state of Washington it may still be a wise decision to have it for protection if the driver causing the accident is operating the vehicle illegally without insurance or is underinsured.

Contact your agent at Sound Choice Insurance Agency Inc in Lynnwood, WA to get an auto insurance review and a quote for no-fault auto insurance.

What is the difference between collision and comprehensive auto insurance

When you own an auto in most states you are required to carry liability insurance. This protects other motorists and their vehicles from you. It will cover medical expenses and property damage. However, it will not cover your vehicle. Other types of coverage are available including collision and comprehensive that you can opt to carry or if you have a car loan, you may be required to carry. Many people don’t understand the difference between collision and comprehensive auto insurance. Sound Choice Insurance Agency Inc in Lynnwood, WA has the information you need to understand the different coverage options. 

Collision

When your vehicle makes contact with another vehicle it can sustain a lot of damage. It may even be deemed totaled. If you want to repair or replace your damaged vehicle and you were at fault, you need to pay for it yourself.  Unless you have lots of money, this could be a hardship. Collision coverage would pay for this up to the limit of your policy.

Comprehensive

Comprehensive coverage is sometimes referred to as non-collision insurance. It protects your vehicle for damage that results from something other than a collision with another vehicle. If your vehicle is damaged by a fire, by hail, by a tree falling onto it, by a large animal or if it is stolen, these are the kinds of things that comprehensive insurance will cover. Glass coverage is also usually included with your comprehensive policy. For most perils, there will be a deductible with glass coverage being the exception.  With a good comprehensive policy, if your vehicle is stolen, you will be able to replace it. 

As you can see, collision and comprehensive coverage are very different though both protect your vehicle. If you live near Lynnwood, WA why not call or visit Sound Choice Insurance Agency Inc. to discuss your auto insurance needs. 

 

Does Auto Insurance Cover the Other Driver’s Passengers?

Your auto policy is in place to protect you, your passengers, and other drivers, but does it also protect the passengers of the person that you are involved in an accident with? For those that live in the Lynnwood, WA area, the agents with Sound Choice Insurance Agency Inc can help you to find out just what your policy covers and what you need to add to your coverage.

When it comes to the passengers in the other driver’s car, in most cases they will have to sue or make a claim against the insurance of the driver in the car that they were a passenger. In some cases, your insurance will cover the deductible for the other driver’s policy which will then pay out to the passenger. For the most part, the only person that is responsible for the cost of the passenger is the driver of the car that they are riding in. You can add more or less coverage for your passengers. Many insurance companies will pay your passenger the minimum liability which in most states is about $10,000.

It is important also to note that if you have full coverage insurance your passengers may be entitled to more than the minimum liability coverage amount. You can customize the amount of coverage depending on how often you have passengers and other factors as well. If you have passengers that are in your car at the time of an accident, your insurance is going to cover their costs in most cases which means that your insurance is going to be liable only for your passengers. For those in the Lynnwood, WA area, the agents with Sound Choice Insurance Agency Inc can help you to find the right policy for you and for your passengers.  

Good Times for an Auto Insurance Review

Everybody knows that there is a need for auto insurance when getting a new car and a need to cancel an auto insurance policy when selling or getting rid of an old car. However, there are many good reasons to have an auto insurance review for other circumstances.

It is a good idea to talk with your insurance agent at Sound Choice Insurance Agency Inc. serving Lynnwood, WA and the surrounding area, to update the coverage of your auto insurance policy if any of these conditions change.

Some of the things that are good reasons to have an auto insurance review include:

  • Custom Work on a Vehicle: You may want extra coverage if you add custom features to a vehicle that require a significant investment, such as getting an expensive custom paint job or installing a top-of-the-line stereo system.
  • Changing Authorized Drivers: It is important to tell your insurance agent if you add or remove an authorized driver. You want to make sure any new drivers are covered and you may get a premium reduction if a driver is removed.
  • Moving: Relocating to a new place is something you want to inform your agent about so that your mailing address is changed and any policy adjustments can be made.
  • Storage and Parking: Parking your auto in a different way or in a different place may change your insurance needs. For example, let your agent know if the car will be parked inside a garage or on the street and if this changes.
  • Change of Vehicle Use: Insurance adjustments may be needed if you start using the vehicle for a different purpose or in a different way. An example of this would be more frequent or longer commutes and carrying passengers for carpooling.

Your agent at Sound Choice Insurance Agency Inc. in Lynnwood, WA is always happy to help you if you have any questions about your auto insurance or need a new quote.

Why Is Auto Insurance Mandatory?

Washington is one of the most beautiful states in the US. Nicknamed ‘The Evergreen State,’ it’s also one of the most visited states in the country. But before you hit the road for a scenic drive in Washington, make sure that your auto insurance is in order. Here, like in many other states in the country, auto insurance is required. In other words, you can’t drive legally without car insurance in the Evergreen State.

Mandatory Coverage

Whether you’ve bought a new car or you just moved to Lynnwood, WA, Sound Choice Insurance Agency Inc can help you get auto insurance that meets the state’s auto insurance requirements as well as your driving needs. But why is auto insurance mandatory in the vast majority of US state? Well, there are several reasons. But before we delve into that, let’s take a look at the minimum car insurance requirements in Washington State.

Basic Requirements

As a driver in the state, you are required to have Property Damage Liability, Bodily Injury Liability, Underinsured Motorist Bodily Injury Coverage, as well as Basic Personal Injury Protection and Underinsured Motorist Property Damage Coverage. You need to have these coverages on your policy to drive in the state. The state’s insurance department has put these laws in place to ensure that roads in the state are safe and fair for all drivers.

That way, if you cause an accident, your coverage will cover the cost of damages and medical bills and the other driver will not suffer financial loss as a result of your actions. That’s what auto insurance requirements are for. Get full auto insurance coverage from Sound Choice Insurance Agency Inc in Lynnwood, WA and make the road safer for other users. Call us if you need more information on auto insurance in the state.