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Encharter Insurance, LLC is an independent insurance agency serving the New England states of Maine, Rhode Island, Vermont, New Hampshire, Connecticut, and Massachusetts. Our team of licensed professionals prides itself on its ability to understand the broad spectrum of insurance buyers’ needs and provide a customized solution, while delivering comprehensive coverage at a competitive price. We also prioritize superior service for our customers.
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Coverage for physical injuries.
Risk Factor……
As the operator and owner of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of an accident. It is easy to get distracted while driving, especially when you take your eyes off the road for a long time to slow down in front of a vehicle, change the station on the radio, attend to a fussy baby, or when there is an incoming text message.
Solution……
When selecting your liability limit, you should choose a coverage that covers the legal liability for bodily injury to another person in case of an accident. It is important to purchase enough coverage to protect your assets if you are sued or if a claim is brought against you. Additionally, you should also consider purchasing an excess liability policy, which may provide additional limits of liability.
Coverage for damages to property.
Risk Factor……
In the event of an automobile accident, you and your family could potentially bear financial liability for any harm inflicted upon another person’s property by your vehicle. The extent of this responsibility may differ depending on the state and the specific amount mandated, if applicable.
Solution……
Your car’s property damage portion of the auto insurance policy safeguards you in case your vehicle causes damage to someone else’s property, such as a building, a fence, or another car. In certain cases, you might have the option to select your coverage limit, or it could be determined by the insurer or local regulations.
Medical Payments Coverage and Personal Injury Protection.
Risk Factor……
It is not unusual for healthcare expenses to amount to thousands of dollars, depending on the seriousness of the injuries sustained in a car crash, regardless of whether it was caused by you or the other vehicle, as a significant portion of the costs are not covered by your health insurance.
Solution……
It’s important to understand what’s required where you live. The requirements, limits, and coverage can vary by state. In the event of an accident, medical payments coverage or Personal Injury Protection can assist in covering certain medical expenses and funeral costs for covered drivers and passengers.
Coverage for Damages caused by Motorists without Insurance or with Insufficient Insurance.
Risk Factor……
What happens when you, as the driver, are hit by someone who doesn’t have enough liability coverage? They may take off or, even worse, expect more than you might anticipate. Research has shown that this can leave you with out-of-pocket expenses to pay for medical costs and damages if you are involved in a collision with an uninsured driver.
Solution……
If a driver who does not have enough coverage purchased damages for pay or if the driver is insured by an automobile insurance company that is insolvent, you may be compensated for lost wages and bodily injury caused by a hit-and-run driver or an uninsured motorist through uninsured/underinsured motorist coverage.
Coverage for Physical Damages.
Risk Factor……
Your automobile can be a fairly costly investment that may be exposed to many potential losses caused by circumstances, theft, and weather-related events.
Solution……
If you want to fully protect your vehicle, you should consider coverage. Coverage is optional if your vehicle is paid in full. If your vehicle is stolen or damaged by another vehicle, object, or any other means, comprehensive coverage can protect your vehicle. Comprehensive coverage can also protect your vehicle if it is damaged in an accident (physical damage coverage).
Rental Protection / Use of Substitute.
Risk Factor……
The duration can be prolonged, resulting in higher costs, particularly if you need to rent a vehicle to free yourself from your daily obligations and if you experience any interruptions. Your vehicle will be replaced or repaired when it is covered by a loss.
Solution……
You have the option to add an inexpensive option to your auto insurance policy that covers rental loss/coverage. If your vehicle is ever in an accident, you can add this option to your auto insurance policy to pay for the cost of temporary rental transportation or the cost of renting a temporary replacement vehicle. This option is available in a variety of daily coverage limits.
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