Many Milford, CT drivers turn to White Oak Insurance LLC for their automotive insurance. Most drivers buy their automobile, then their insurance, and never change either. The few who customize their vehicles need to update their insurance policy to reflect the added value to the auto.

What Items Need Special Coverage?

Auto insurance offers many ways to extend the policy to cover everything in and on the vehicle. This includes listing in the policy items, such as radar systems, tablet computers, etc. that you purchase for the vehicle to customize. It also includes things like a rear spoiler or custom tail lights that increase the vehicle’s value. Listing items in the policy, called scheduled coverage, specifically covers them from damage or theft.

Auto Body Customizations

When purchasing a vehicle, you sometimes want to make it your own by getting it a custom paint job or altering the auto body. When you order the vehicle this way from the manufacturer, your initial policy covers them. When you hire a mechanic after picking up the vehicle from the sales lot, these customizations that transform your vehicle into one that reflects your personality don’t yet have coverage in your policy. Altering the auto body creates a one-of-a-kind vehicle that can require additional coverage. Adding a camper or commercial-grade tool chest to your pickup truck also adds value to your vehicle that won’t receive coverage without adding it specifically to your auto policy.

Contact Our Insurance Office

Contact White Oak Insurance LLC for an auto policy review. Tell us about any vehicle alterations you made, and we can schedule coverage to protect your financial investment. Don’t drive the Milford, CT, streets unprotected. Call today.

Deer have been known to dart out in the road when you least expect it, even in areas that aren’t necessarily rural. Since you can never predict when you might encounter a deer while driving, you might wonder if your insurance policy will provide coverage if you were to hit one. Serving the greater Milford, CT area, White Oak Insurance LLC is here to assist in understanding your options. 

What Type of Coverage Do You Have?

The type of coverage you currently have will determine whether your insurance policy will provide coverage in the event you were to hit a deer. If you have liability insurance only, then your coverage likely won’t be adequate to cover hitting an animal or other object. On the other hand, if you have full coverage insurance, then you will likely have nothing to worry about. If comprehensive insurance is included along with your collision, then you will be covered. 

Is Another Vehicle Involved?

If you only hit a deer while driving and you have comprehensive coverage, then you have no worries. However, if you swerve in an attempt to avoid a deer and you end up hitting another vehicle, then comprehensive coverage may not be sufficient. Collision is the type of insurance that covers accidents, regardless of the cause. Therefore, if you’re not sure of the type of coverage you have, then you need to double-check, so you’ll be sure. 

Schedule A Consultation Today!

If you’re shopping around for a new auto insurance policy that includes comprehensive coverage and you live in the Milford, CT area, we at White Oak Insurance LLC would love for you to choose us. We are always looking for new customers, and we pride ourselves on providing a wide array of insurance types and great customer service. So, give us a call today and one of our knowledgeable insurance agents will be happy to provide you with a quote. 

At White Oak Insurance LLC, in Milford, CT, we offer customizable insurance policies to meet your unique needs. We offer auto insurance, as well as other types of coverage. 

Coverage Requirements in Connecticut

Connecticut drivers are required to have liability insurance. The minimum requirement is $25,000 for bodily damage liability, up to $50,000 per accident, and $25,000 in property damage liability are required. 

However, this isn’t enough for most drivers. 

How Much Liability Coverage Do I Need? 

Insurance experts recommend that drivers have $100,000 in bodily damage liability, up to $300,000 per accident. This will allow your policy to cover expected medical costs if someone is injured in an accident that is your fault. 

They also recommend $100,000 in property damage liability, which will cover the property damage in most accidents. 

Under/Uninsured Motorist Coverage 

Liability coverage includes under/uninsured motorist coverage at the same coverage limit as your bodily injury liability policy. However, you can purchase up to double this amount. This covers you and your passengers if you are injured in an accident and the other party doesn’t have liability coverage or inadequate coverage. 

Experts recommend at least $100,000 and up to $300,000  in under/uninsured motorist coverage. 

Other Types of Coverage 

If you have a lien against your vehicle, you are required to carry comprehensive coverage, which includes collision and comprehensive coverage. However, if you can’t afford to replace your vehicle, you should consider this coverage even if it isn’t required. 

If your lien is more than your vehicle is worth, you should consider gap coverage to make up the difference.  

Give Us A Call

If you aren’t sure if you have adequate auto insurance coverage in Milford, CT, contact us at White Oak Insurance LLC. Our knowledgeable agents can discuss your policies and ensure that you have the coverage you need.