Car Insurance

Do you understand what your auto insurance actually covers?

Homeowner's Insurance

Is your insurance coverage a good fit for you and your family? Do you even really know what your insurance actually covers? A big part of knowing if your insurance coverage meets your needs is having a complete understanding of what your policy covers. Unfortunately, sometimes drivers find out what their policy covers after it is too late.

We know that finding the right auto insurance requires asking the right questions and listening to your concerns. At Murken Insurance we get to know you and your coverage needs so that you have the right protection at the right time.

Auto Insurance Questions

When looking for auto insurance, we know you will have questions. Here are answers to some common auto insurance questions

Question: When do I add my child to my policy?
Answer: It’s a good idea to call your agent as soon as your child gets their driver’s permit. Add them to your policy as soon as they have their driver’s license.

Question: When can I take my child off my policy?
Answer: Consider taking your child off your policy, and getting them started with their own policy when:

  • The child no longer shares a permanent address with you and the car is titled in their name. Note: college addresses are usually considered temporary addresses.
  • Once the child gets married; the happy couple should get a policy of their own.
Question: How much liability protection do I really need?
Answer: When determining your needed liability protection, consider the value of your assets, how much risk you are willing to take, and how much you can afford to pay in premiums.Question: What is the right deductible for me?
Answer: Your deductible is really self-insurance that you have agreed upon with the insurance company. Choosing the right deductible for you means finding the balance between saving on your premiums and your ability to pay the first portion of any potential claim.

Types of Coverage

Become an informed insurance customer. Use our lists of auto insurance coverages to help understand the various types of auto coverage and how they work together to keep you safe. Common types of auto coverage are described below.

Liability Coverage – protects you against financial loss if you injure someone (bodily injury liability) or damage their property (property damage liability).
Medical Payments – Covers healthcare costs following an accident for you and the passengers in your vehicle regardless of who was at fault in the accident.

Uninsured or Underinsured Motorist Coverage – Covers the cost of medical expenses if you or your passengers are injured by an uninsured or underinsured driver.

Collision – Damage to your car whether or not you are at fault for the accident will pay the costs to repair your vehicle. You pay your deductible.

Comprehensive – If factors outside your control harm your vehicle, this coverage pays for repairs. Whether it’s a hail storm, theft of your car, hitting a deer or your windshield breaking, comprehensive coverage helps you restore your vehicle to its previous condition.

Personal Umbrella Insurance – Unfortunately terrible accidents happen. If you or a family member causes an accident in which another person is injured and requires long-term care, you may be legally responsible to cover their medical bills.When truly unexpected events like these happen, how do you protect your assets and cover any accompanying legal fees? Personal umbrella coverage provides additional protection to cover these events beyond the limits of both your home and auto liability insurance.

Special Vehicle Coverage (RVs, Motorcycles, Boats, etc..) – Before you buy that brand new motorcycle or really fast boat, make an appointment and let’s have a discussion about your upcoming purchase. The insurance needs of special vehicles vary significantly by type, speed, and use.

Questions about auto insurance?

Let us help you stay safe both on and off the road. If you have questions about auto insurance, call Mary at 920-651-1500.