The liability portion of your auto insurance policy in Senatobia, MS, contains some of the policy’s most essential coverage. These core coverages protect your financial assets if you are at fault in an accident. Storey Insurance can help you select a policy that will fully protect you.

Bodily Injury Liability

If people sustain injuries in an accident in which you are found liable, this portion of your policy covers medical treatment. Bodily injury liability has a listed limit per person and per incident. This provision covers emergency medical bills, hospital stays, follow-up treatments, physical therapy and medications for drivers or passengers in the other vehicle, along with injured pedestrians. Additional benefits cover lost income and wages if the injured individual cannot work because of the accident. Other coverage includes compensation for pain and suffering and your legal defense fees if another party sues you.

Property Damage Liability

If you lose control of your vehicle and damage someone else’s property, this portion pays for costs associated with that damage. This provision covers repairs or actual cash value replacement for the other driver’s vehicle, possibly including the cost of a rental car while theirs is in the shop. It also covers stationary property. If you slide or swerve and take out a mailbox, smash through a guardrail, take down a utility pole, or damage a storefront, this portion of your policy will cover those damages and related bills.

Understand your liability limits by reading your policy. You’ll see several figures for both bodily liability and property liability. Both indicate per person and per incident. iIf you don’t understand how these figures work, the expert staff at Storey Insurance can help. Schedule an appointment to discuss your auto insurance policy at our Senatobia, MS, office, and learn about your various liability options.

If you are a Mississippi driver, state law requires you to carry auto insurance. The team at Storey Insurance helps drivers select coverage that meets legal requirements and fits their needs. Drivers near Senatobia, MS are welcome to visit the office to explore available auto insurance options. Storey Insurance has been proudly serving Mississippi drivers since 2017.

Can You Choose Your Own Auto Repair Shop After an Accident?

No one plans to be involved in an auto accident, but when one occurs, many drivers wonder whether they have the right to choose their own auto repair shop. In most cases, drivers do have the ability to select where their vehicle is repaired after an accident.

After a claim is filed, the insurance company will typically assess the damage and issue payment for covered repairs, up to the policy limits. Some insurers may provide a list of preferred or approved repair facilities, but this does not always mean you are required to use one of those shops.

Even if an insurance company recommends a specific repair facility, drivers may choose a different shop. In some cases, you may be asked to submit a repair estimate from your selected facility. However, it is important to review your policy carefully, as certain policies may limit coverage amounts if repairs are completed outside of a designated network.

Review Your Policy Before Choosing a Repair Facility

Before authorizing repairs, take time to understand your auto insurance policy. Knowing whether your insurer places restrictions on repair locations can help you avoid unexpected out-of-pocket expenses. Being informed allows you to make the best decision for your vehicle and budget.

Contact Storey Insurance Today

Driving without auto insurance is a risk you do not have to take. The team at Storey Insurance is committed to helping drivers find reliable coverage at competitive rates. Drivers near Senatobia, MS trust Storey Insurance for knowledgeable service and personalized support. Call today to schedule an appointment and get back on the road with confidence.

Towing and storage costs often come as an afterthought, until a car won’t start or an accident leaves it stuck on the side of the road. In Mississippi, whether auto insurance through Storey Insurance, serving Senatobia, MS, helps with those costs depends on how the situation unfolds and why the vehicle needed to be moved in the first place.

When Towing Is Part of the Claim

If a vehicle is involved in an accident and can’t be driven safely, towing is usually a necessary next step. In those cases, towing is often treated as part of the overall incident rather than a separate issue. Mississippi law allows law enforcement to order a tow when a vehicle is blocking traffic or poses a safety concern, which means the tow may happen before the driver has much say in the matter.

How Storage Costs Enter the Picture

Once a vehicle is towed, it usually ends up at a repair shop, tow yard, or holding lot. Storage costs can start accumulating quickly, especially if the vehicle sits for several days. Insurance may address reasonable storage for a short period while the situation is being sorted out, but long delays can complicate things. Moving the vehicle promptly, once allowed, is often expected.

Situations That Can Change the Outcome

Not every tow is treated the same way. If a vehicle is towed due to a breakdown, parking violation, or non-accident-related issue, insurance may not be involved. Storage tied to those situations is usually handled differently than storage following a covered accident. Each situation is reviewed based on the details, not assumptions.

Understanding how towing and storage are handled ahead of time makes stressful moments easier to manage. Your insurance agent at Storey Insurance, serving Senatobia, MS, can walk through common scenarios and explain what typically happens when a vehicle needs to be towed or stored unexpectedly.

Assessing a preowned vehicle that you plan on purchasing will help you determine the amount of auto insurance you need. Use the tips below to assist with this task.

Usage Considerations

The intended use of a vehicle could influence the amount of coverage you need. Some vehicles are equipped to handle large loads of cargo, which could make it necessary to carry additional insurance coverage.

Auto insurance that is designed to protect personal property would safeguard any items that are stowed within the cargo area. If you are involved in an accident and some of your possessions are damaged, the insurance may cover the cost of repairing or replacing the items that have become compromised.

When you assess a preowned vehicle, think about how you would use it for your personal needs.

Vehicle Accessories

Inspect the accessories that the preowned vehicle is equipped with. Stereo equipment, towing equipment, lighting, and other accessories of value could become damaged during an accident or burglary.

Adding the items of value to your auto insurance policy will ensure that you have adequate coverage if any of the items are damaged or stolen at a later time.

Maximum Speed and Overall Value

The maximum speed that a preowned vehicle is capable of may influence how safe you are while driving. And the overall value of the vehicle could affect the amount of coverage you need. During your assessment, consider account how well the vehicle was maintained by the original owner. 

Auto Insurance Support

One of our Storey Insurance agents will prepare your auto insurance documents for you. Contact an agent who serves Senatobia, MS, for further assistance with your personal insurance policy. They’ll be ready to assist you.