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Auto Insurance in Mill Valley, CA

Part of being a responsible car owner or driver is obtaining auto insurance. Auto insurance can help protect you financially after an auto-related incident. Auto insurance can help you avoid paying for costly incidents out of pocket, and the right policy may help you comply with applicable state auto insurance requirements.

What Does Auto Insurance Cover?

An auto insurance policy may offer several different kinds of coverage, such as the following:

  • Bodily injury liability coverage applies to injuries the covered driver causes to a third party in an auto accident.
  • Medical payments coverage may help pay for treating injuries to the insured driver and passengers after an accident, regardless of fault.
  • Property damage liability may help pay for damage caused to a third party’s property in an accident.
  • Collision coverage may help pay for damage to the covered driver’s car resulting from a collision with another car or object.
  • Comprehensive coverage may help reimburse losses due to a covered event that isn’t a collision. This could include fire, falling objects, explosions, earthquakes, windstorms, hail, flood, vandalism and damage from wildlife.
  • Uninsured/underinsured motorist coverage may help cover expenses related to injuries and property damage when hit by an uninsured, underinsured or hit-and-run driver.

How Far Back Do Auto Insurance Companies Look?

Car insurance providers typically look at the last three to five years of your driving record to help determine your rates. The exact time frame may vary depending on your insurance provider’s guidelines and location.

How Long Is Car Insurance Good for?

Auto insurance policies are typically in effect for a six- or 12-month period, and they may renew at the end of the term. If you want to update your policy or discuss its specifics, you can contact your agent.

How Much Auto Insurance Is Enough?

Each individual’s insurance needs are different. The right policy can help you comply with applicable state laws and provide essential financial assistance after a covered incident. For more information about the intricacies of auto insurance, contact Muzio & Rovero Insurance. We can help you get the coverage you need.

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