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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. 

If you live in Milford, CT, going on a road trip to Canada is an amazing way to spend your vacation. But will your auto insurance policy cover you while you’re there? White Oak Insurance LLC is happy to assist with all your queries. 

Here’s what you need to know before crossing the border:

Your Domestic Policy

If you have a standard auto insurance policy, chances are it won’t cover you for anything that happens outside of the United States and its territories. However, if your policy does include coverage for Canada, it typically only applies to Ontario and Quebec. If you plan to drive through other provinces, like British Columbia or Alberta, you will most likely need additional coverage.

Rental Car Coverage

If you’re renting a car while in Canada, your domestic auto insurance may not cover the rental vehicle either. That said, some credit cards offer secondary coverage for rental cars when they are used overseas, including in Canada. If something happens while driving the rental car and your primary insurance doesn’t cover it, your credit card company could pick up the tab instead. It is important to check with both your insurer and credit card provider before leaving to ensure that all of your bases are covered.

Canadian Auto Insurance Policies

If neither of these options appeals to you, then another option would be to buy an auto insurance policy from a Canadian insurance provider specifically for your trip. White Oak Insurance LLC can help you find the right policy for your needs before you leave Milford CT. Still confused? Contact us today, and we’ll answer all your questions.

There are many myths about auto insurance, which may crowd your judgment when purchasing car insurance. White Oak Insurance LLC in Milford, CT is here to set the record straight.

Here are the common car insurance myths we would like to debunk:

Myth#1: Red cars attract high premiums

This myth is grounded on the fact that red cars are assumed to be fast, hence attract high insurance rates. Among many factors considered in calculating your premiums, color isn’t one of them. So, don’t be afraid to purchase your dream red car because of the high insurance rates.

Myth#2: comprehensive coverage protects you against all risks

This perhaps stems from the word “comprehensive.” Your comprehensive car insurance only covers you against non-collision perils, like fire, theft, and falling objects. This means you should consider other car insurance policies if you want optimal protection. Other coverage options you can consider for your car include liability coverage, medical payments, collision coverage, and uninsured/underinsured motorist coverage.

Myth#3: If your friend borrows your car, their insurance covers your vehicle

That’s a blatant lie. Only your car insurance — and not someone else’s — will cover the associated losses caused by your vehicle. So if your friend borrows your car and causes an accident, it’s your car insurance that will cover the resulting liability costs and own damage.

Myth#4: Your insurer pays for the auto loan if it’s totaled

If your car is written off or stolen, your insurer will compensate you for the fair market value of your vehicle. Sometimes, this could be significantly less than the outstanding loan balance. It’s the responsibility of the owner to pay the difference. Unless you have gap insurance, you will have to pay for the difference from your pocket.

Get Auto Insurance Today

Need to learn more about car insurance in Milford, CT? Please get in touch with White Oak Insurance LLC.