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Milford, CT 06461

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White Oak Insurance LLC Blog

Will My Insurance Policy Cover Damages Caused by Hitting a Deer?

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. 

How Do I Know if I Have Enough Auto Insurance?

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. 

Does my auto insurance policy cover me when I drive in Canada?

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.

Demystifying Common Myths About Auto Insurance

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.

Connecticut’s Best Weekend Drives

With so many great weekend getaways in Connecticut, you may be wondering where to go first. Luckily, many beautiful, fascinating, and unique places throughout the state are perfect for Milford, CT residents. Let White Oak Insurance LLC present some of our favorite weekend drives across this beautiful state. Before you hit the road, however, make sure you have the right insurance coverage for your vehicle. 

Explore Connecticut With Auto Insurance Coverage From White Oak Insurance LLC

New Haven to Stonington Coastal Drive

Connecticut’s coastline is one of the state’s most visually stunning features. The drive from New Haven to Stonington will take you through beaches full of golden dunes and sandy shores. Stop and enjoy the view at numerous coastal towns along the way. Make sure to visit The Katharine Hepburn Cultural Arts Center and the Florence Griswold Museum, both excellent museums that offer unique and educational experiences.

Salmon River State Forest

This winding scenic drive is perfect for those who like to stop for some fishing or hiking along the way. The Salmon River State Forest is full of wildlife and beautiful scenery. Stop by the Day Pond, a popular spot for locals to gather and play some Frisbee or read a book.

CT State Route 169

Enjoy the scenic villages and woodlands of the Quinebaug and Shetucket Rivers Valley National Heritage Corridor. This drive is an excellent destination for peace, quiet, and nature seekers. Massive trees line your path, and the route will lead you through roads lined with ivy. The ideal time for this drive is autumn when the foliage turns color to quintessential American backroads driving.

Get The Right Auto Insurance Before You Explore

Connecticut is a state filled with beauty and history. With so many places to visit and so many ways to explore, there’s no better place to spend a weekend driving. White Oak Insurance LLC can help you drive with less worry by having an excellent auto insurance policy. If you’re a resident of Milford, CT in need of car insurance, please don’t hesitate to reach out to us today!

Should I add my teen driver to my auto policy or get them their own?

When teens begin driving, it is often a life event that makes them think of themselves as an adult. As a parent of a teen driver, you may feel that they’re still your child who needs protection! And, car insurance is one of the major life expenses that they may be responsible for themselves. Oak Insurance LLC can help find the right coverage for your new Milford, CT area driver.

The right insurance policies for teen drivers

When your teen starts to drive, you may wonder if they should have their own insurance policy. Choosing between that option or adding them to the family auto policy, depends on the situation.

For many, putting their new driver on their own auto policy is a great way to help them understand responsibility. Paying all or a portion of their auto insurance is a great way to introduce your teen to budgeting and financial responsibility. On the other hand, it may be more economical for some families to include their teen driver in the family policy. 

Whatever option may be right for your family, it’s important that the auto policy provides sufficient coverage. Understandably, teens and other new drivers can have more fender benders and dents and dings. This can mean that they also have more claims. And, if the teen is on the family auto policy, this can lead to higher premiums for everyone.

Let us help your family with all of its insurance needs!

White Oak Insurance LLC is here for all the residents of the Milford, CT area. We can help you find the right policies to keep your family protected. Our office team is here for you. Give us a call or come by today!

Basic Steps to Filing an Auto Insurance Claim

No matter how careful you are as a driver in Milford, CT, an accident can happen. If you have never been involved in an accident, you may be clueless as to what steps you should take. One thing you definitely should do is file an insurance claim with your insurer. White Oak Insurance LLC wants to ensure all Milford, CT residents are familiar with what to do after an accident. 

Call the Authorities

It doesn’t matter how minor or major the accident is, you should contact the authorities. An officer will ensure everyone involved in the accident is safe while keeping traffic away from the accident scene. Further, you will be given a police report for the accident, which is a key element when filing your auto insurance claim.

Speak to the Other Driver

Although you should exchange insurance information with the other driver, you should never, ever accept responsibility for the accident. This is true even if the collision was indeed your fault. A simple apology can be taken out of context and used against you. Keep interactions short and sweet.

Take Note of Specific Details

Apart from contact information from the other driver(s), you should also take note of the location and time of the accident. You should also take note of the road conditions, damage to all vehicles and property, and potentially eyewitness statements and contact information.

Call Your Insurance Company

As soon as you have spoken to the police, obtained information from the other driver(s) and scene, and received the necessary medical attention, get in touch with your insurer so you can file an auto insurance claim. Provide them with as many details as you can, including pictures, video, and eyewitness statements. Don’t forget to be honest as you retell the events that transpired.

If you have any other questions about what you should do when filing an auto insurance claim in Milford, CT, don’t hesitate to reach out to the professional insurance agents at White Oak Insurance LLC.

Comprehensive Insurance: What Does This Cover?

Comprehensive auto insurance is something we at White Oak Insurance LLC provide for Milford, CT residents. However, we know that the different policy options may seem confusing to many. Thankfully, we’re here to help you better understand your options.

What a Comprehensive Policy Covers 

A comprehensive insurance policy provides a broad range of different coverage options that should work well for many people. These include a myriad of various problems that may occur at any time, including things like:

  • Severe damage caused by an accident 
  • Destruction caused by a falling object, like a tree
  • Civil disturbances, such as riots, damaging your car 
  • Theft or vandalism that impacts your vehicle 
  • Animal damage that may affect how well your vehicle runs 

This type of policy is designed to expand beyond your traditional liability and property damage policies to provide a more cohesive coverage plan. That said, there are some things that it won’t cover. Understanding these issues will ensure you don’t run into any troubles:

  • Damage to your car during a car accident 
  • Any damage to another person’s car during a collision 
  • Your medical expenses after an accident 

Thankfully, traditional liability and medical expense coverage can help protect you from these issues. As a result, it is essential to talk to your agent to learn more about whether or not you are covered. Then, they can examine your various options and ensure that you get the help you need here. 

Find a Policy You Can Trust 

If you’re not sure about what kind of auto insurance policy you want or want to upgrade your coverage, please don’t hesitate to contact us at White Oak Insurance LLC to learn more. We can help Milford, CT residents find the policy that makes the most sense for their needs.

Factors to Consider When Getting Auto Insurance

Auto insurance can be complicated for most people, especially if this is your first time buying insurance. There are many insurance agencies, agents and brokers, and deciding who to go with can be overwhelming. However, here at White Oak Insurance LLC, serving Milford, CT, we want to ensure you make an informed choice. Here are some factors to consider when buying auto insurance.  

The Coverage You want

Under auto insurance, there is a lot of coverage for collision, comprehensive, personal injury, and insured and underinsured coverage. It is advisable you understand each of these to protect your car adequately. Once you have an idea, approach an insurance company and get more additional information you may want.

Insurance Brand

You also need to consider the insurance brand you plan to work with. Read online reviews to learn about the reputation of a company. If there is a high level of customer satisfaction, you can proceed with the insurance company.

Your Deductible

The deductible is the amount you will pay before your insurance pays for the expenses arising from the accident. Therefore, consider how much you can comfortably pay out of pocket if there is an accident. Also, note that a lower deductible means you will have to pay higher premiums and vice versa.

Your Car

The brand and model of your car will have an impact on your auto insurance policy. There are cars prone to theft, while others have a low safety rating. Therefore, if you have a specific budget for your insurance, consider getting a car with high safety ratings.

With auto insurance being mandatory in Milford, CT, you have to factor in all considerations before purchasing insurance. It will help you make the right decision. Here at White Oak Insurance LLC, we want you to feel confident when buying auto insurance. That is why we are ready to answer any questions you might have. Contact us today for any assistance.

Insuring a Teen Driver: Tips You Need to Know Now

It’s always scary for parents when their teens start driving. That’s why we at White Oak Insurance LLC provide Milford, CT parents with detailed information and tips about this process. Follow these steps to make sure your teen gets the policy that makes the most sense for their needs.

Tips You Need to Know

When it comes time to buy a policy to cover your teen, there are many tips that you must keep in mind. These steps include how you should:

  • Add Them to Your Policy — When you put your teen on your policy, you can get many exciting deals and provide them with more comprehensive policies.
  • Raise Their Grades — Many insurance providers create specialized "Good Student" deals for students who do very well in school.
  • Put the Car in Their Name — Register and license the car in your teen’s name to protect yourself and simplify their liability coverage.
  • Take a Crash Prevention Course — Find Connecticut’s crash prevention course and enroll your teen to give them a better potential policy.
  • Label Them an "Occasional" Driver — Some policies let you label your team as a "pleasure-only" or "occasional" driver, which may be good if they rarely use their vehicle.

Make sure that you talk with your provider about these tips to ensure that you execute them properly. Thankfully, most should be pretty simple to understand and give you the help your teen needs to stay safe and protected on the road.

Get the Coverage You Need

If your teen needs an excellent insurance policy right away, please don’t hesitate to contact us at White Oak Insurance LLC to learn more. We serve the Milford, CT area and beyond. We will do whatever we can to help your teen get the best policy possible, ensuring they are fully covered.


States Served

  • Connecticut
  • Massachusetts
  • Rhode Island
  • New Hampshire
  • Vermont
  • Maine

Partner Carriers

  • American Commerce
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  • Banner
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  • Harleysville
  • John Hancock
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  • Liberty Mutual
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  • MetLife
  • Narragansett Bay
  • National General
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  • New York life
  • Progressive
  • Prudential
  • Quincy Mutual
  • Safeco
  • State Auto
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  • Travelers
  • Utica 1st