Best Local Car Insurance Agencies in Lawrence

Frequently Asked Questions

• Introduction

  A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.
  

• Is uninsured/underinsured motorist coverage required in Lawrence?

  Yes. In Lawrence, the law requires all auto insurance policies to include uninsured/underinsured motorist coverage. This coverage is designed to protect you in situations where the at-fault driver in an accident does not have enough insurance to cover your expenses. The minimum coverage limits mandated by law are $25,000 per person and $50,000 per accident.

• Can you sue the at-fault driver for damages in Lawrence even if you have personal injury protection (PIP) coverage?

  Yes, you can sue the at-fault driver for damages in Lawrence. However, you must meet two legal prerequisites if you want to pursue compensation directly from the responsible driver. Firstly, your PIP coverage must be fully utilized, and secondly, your injuries must meet the state's criteria for being considered "serious."

• Do you need to notify your insurance company if you modify your car in Lawrence?

  Yes. If you modify your car in Lawrence, it is important to notify your insurance company because these modifications can impact the value and repair costs of your vehicle. Customizations like performance upgrades or cosmetic changes often involve expensive parts, which is why insurers need to be aware of these changes to accurately assess your coverage needs and premiums. Failing to inform your insurer about modifications could result in coverage gaps in the event of a claim.

• What is the minimum liability insurance requirement in Lawrence?

  The minimum liability insurance requirement in Lawrence dictates that drivers must have at least $25,000 in bodily injury liability coverage per individual, with a total bodily injury liability coverage of no less than $50,000 per accident, along with a minimum of $25,000 in property damage liability coverage. These insurance requirements are in place to ensure that drivers have adequate financial protection in the event of an accident.

• Will your auto insurance cover another driver if you lend them your car in Lawrence?

  Yes. Your auto insurance policy is tied to the vehicle, not the specific individuals driving it in Lawrence. If you have car insurance and grant someone permission to drive your vehicle, your insurance could extend coverage for property damage and personal injuries resulting from an accident. However, if your insurance limits are insufficient to cover the full extent of the damages, the driver's insurance company may need to cover the remaining costs.

• What is car insurance?

  Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.