As our lives change, so do our insurance needs. Unfortunately, many motorists in Berlin, CT, don’t bother to update their auto insurance. Reviewing your car insurance ensures you pay the right amount of premiums, gives you peace of mind, and makes the claim process hassle-free.

But when should I review my auto insurance? While everyone’s auto insurance needs are different, you should update your auto insurance at least once a year. However, when the below situations occur, you should inform your insurance agent immediately. 

You have a new driver in the household

A few months ago, when you purchased auto insurance from Bogden Insurance Agency, you were the sole driver of your car. But now circumstances have changed, and you want to let your teenage daughter or son drive your car. 

While letting your teenage child drive your car is the right step towards achieving automotive freedom, you need to update your policy to avoid a nightmare when they cause an accident. Teenagers are deemed risky drivers, and thus, you should give your agent a call to update your policy.

You have converted your vehicle to a business vehicle

Suppose you have opened a new business. And because you are trying to figure things out, you start running business errands using your car. Whereas this is the optimal use of resources, you need to upgrade personal auto insurance to commercial auto insurance.

Purchasing commercial auto insurance is not only a mandatory requirement in Connecticut but also ensures you get compensation when your business vehicle is involved in an accident.

You are moving to another state

When you are moving from your current state to another, you need to update your auto insurance. Why? Different states have diverse auto insurance requirements. Given this reality, you need to inform your insurer when moving to another state to ensure you conform to the new state’s requirements. 

Need more information on updating your auto insurance? Don’t hesitate to get in touch with Bogden Insurance Agency for more insights. Besides, you can visit our Berlin, CT offices to talk to one of our agents. 

Most primary insurance policies come with limited liability like home, boat, and auto insurance.  So, what’s so important about liability in Berlin, CT. Society today has become more litigious than ever before. You can be found guilty of just about anything. Liability is even more critical when you own a car because it shields you from financial loss when you cause an accident. Here are a few reasons why liability is important coverage for every driver.

The Connecticut law requires it

All Connecticut drivers must carry a minimum liability of bodily injury liability and property damage liability, and uninsured/underinsured motorist coverage. Both bodily and property damage ensure that you’re financially responsible for any damage or injury you cause to other motorists.

Protects you against lawsuits

The main reason to buy enough liability is to ensure that your premiums can pay legal fees in case you’re sued for a car accident that led to serious injury to another person. Bogden Insurance Agency recommends speaking to your insurance advisor to determine how much liability is enough for you.

Protects against injuries

Most accidents are associated with injuries, some of which can be severe. When you cause an accident that injures another or other people, you will be held accountable for their injuries. Your liability coverage will pay for their injuries, income loss, and other impacts like trauma and pain.

Protects against property damage

If you cause an accident that damages another person’s car, wall, home, or fence, you will be asked to pay for the damages. You might also get sued for these damages, and the fines can be hefty.

Looking to buy auto insurance in Berlin, CT? Experts at Bogden insurance Agency can help secure a customized policy just for you. Let us help you.