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Category: Auto Insurance

Aug 24 2023

What are three reasons to get auto insurance?

Aug 24 2023 by adminPosted in Auto InsuranceTagged ,

Being a car owner is very common for people all over the country, including the state of Kansas. When you are a car owner, you need to ensure that you have the right insurance in place for it.

There are three reasons you should get auto insurance whenever you are going to buy or lease a vehicle. 

Protect Your Vehicle

A primary reason to have auto coverage is so you can protect your asset. When you have a full insurance plan, you will have coverage in many situations including if your car is damaged in an accident or it is stolen. If you are properly insured, you will have the support you need to protect your vehicle. 

Reduce Liability Financial Risk

You also should get an auto plan so you can reduce your liability and financial risk. If you are at fault in an accident, you will need to cover the damages, which can be very high. With auto coverage, you will have liability insurance that will cover you in these situations. 

Meet Requirements

Finally, you should have this insurance so you can meet your requirements. As a car owner, you are bound to have auto insurance requirements. Both the state that you live in and any auto loan provider is going to have specific insurance requirements that need to be met. Carrying this coverage can help keep you in good standing with these obligations. 

Reach Out To Us

If you are a car owner in Kansas and intend to drive it, you do need to make sure that you have proper auto insurance. When you are ready to start your search, it would be a great option to call our team with Midwest Professional Insurance. If you do call our team at Midwest Professional Insurance, you can get the guidance you need to build your next plan. 

Read More

Being a car owner is very common for people all over the country, including the state of Kansas. When you are a car owner, you need to ensure that you have the right insurance in place for it.

There are three reasons you should get auto insurance whenever you are going to buy or lease a vehicle. 

Protect Your Vehicle

A primary reason to have auto coverage is so you can protect your asset. When you have a full insurance plan, you will have coverage in many situations including if your car is damaged in an accident or it is stolen. If you are properly insured, you will have the support you need to protect your vehicle. 

Reduce Liability Financial Risk

You also should get an auto plan so you can reduce your liability and financial risk. If you are at fault in an accident, you will need to cover the damages, which can be very high. With auto coverage, you will have liability insurance that will cover you in these situations. 

Meet Requirements

Finally, you should have this insurance so you can meet your requirements. As a car owner, you are bound to have auto insurance requirements. Both the state that you live in and any auto loan provider is going to have specific insurance requirements that need to be met. Carrying this coverage can help keep you in good standing with these obligations. 

Reach Out To Us

If you are a car owner in Kansas and intend to drive it, you do need to make sure that you have proper auto insurance. When you are ready to start your search, it would be a great option to call our team with Midwest Professional Insurance. If you do call our team at Midwest Professional Insurance, you can get the guidance you need to build your next plan. 

Jul 29 2022

What to Do if You’re in an Accident: Auto Insurance Tips

Jul 29 2022 by adminPosted in Auto InsuranceTagged ,

Every day we hear about car accidents on the news. They’re scary and can happen to anyone, even the safest drivers. If you’ve been in an accident or are involved in one, it’s important to know what to do next and how to protect yourself. Midwest Professional Insurance in Kansas offers auto insurance for your protection. 

Here are some auto insurance tips in the aftermath of an accident:

1. Check for Injuries

After an accident, it’s important to check for injuries, even if you feel fine. Sometimes, adrenaline can mask the pain of an injury, and it’s not uncommon for people to feel fine immediately after an accident only to experience symptoms later on. Additionally, some injuries, such as internal bleeding, may not be immediately apparent. That’s why it’s important to get checked out by a medical professional as soon as possible after an accident. Doing so can help ensure that any injuries are properly diagnosed and treated, preventing further complications later on.

2. Call the Police to File a Report

Regardless of the severity of the accident, it’s always a good idea to call the police so that they can file an official report. This report can be useful later on if you need to file an insurance claim or take legal action.

3. Take Photos and Collect Information

Be sure to take plenty of photos of the accident scene, as well as any damage to your vehicle or the other vehicles involved. You should also collect the contact information of any witnesses, as well as the other drivers involved. This information can be helpful later on if you need to file an insurance claim or take legal action.

4. Contact Your Insurance Company

As soon as possible after the accident, you should contact your insurance company to report the accident and start the claims process. Be sure to have all of the relevant information on hand, such as the police report, photos of the accident scene, and any other documentation.

Give Us A Call

If you’ve been in an accident, Midwest Professional Insurance in Kansas is here to help. We’re committed to helping our clients through the claims process and are here to answer any questions you may have. Contact us today to learn more about our auto insurance coverage options.

Read More

Every day we hear about car accidents on the news. They’re scary and can happen to anyone, even the safest drivers. If you’ve been in an accident or are involved in one, it’s important to know what to do next and how to protect yourself. Midwest Professional Insurance in Kansas offers auto insurance for your protection. 

Here are some auto insurance tips in the aftermath of an accident:

1. Check for Injuries

After an accident, it’s important to check for injuries, even if you feel fine. Sometimes, adrenaline can mask the pain of an injury, and it’s not uncommon for people to feel fine immediately after an accident only to experience symptoms later on. Additionally, some injuries, such as internal bleeding, may not be immediately apparent. That’s why it’s important to get checked out by a medical professional as soon as possible after an accident. Doing so can help ensure that any injuries are properly diagnosed and treated, preventing further complications later on.

2. Call the Police to File a Report

Regardless of the severity of the accident, it’s always a good idea to call the police so that they can file an official report. This report can be useful later on if you need to file an insurance claim or take legal action.

3. Take Photos and Collect Information

Be sure to take plenty of photos of the accident scene, as well as any damage to your vehicle or the other vehicles involved. You should also collect the contact information of any witnesses, as well as the other drivers involved. This information can be helpful later on if you need to file an insurance claim or take legal action.

4. Contact Your Insurance Company

As soon as possible after the accident, you should contact your insurance company to report the accident and start the claims process. Be sure to have all of the relevant information on hand, such as the police report, photos of the accident scene, and any other documentation.

Give Us A Call

If you’ve been in an accident, Midwest Professional Insurance in Kansas is here to help. We’re committed to helping our clients through the claims process and are here to answer any questions you may have. Contact us today to learn more about our auto insurance coverage options.

Nov 29 2021

Survival Guide for Parents of Teen Drivers

Nov 29 2021 by adminPosted in Auto InsuranceTagged

Watching your teenager drive off in a car is one of the most daunting moments of any parent’s journey. Not only do you fear for their safety, but you also worry about the impact of adding a new driver to your insurance premiums. There are some steps you can take to reduce your worries on both fronts. 

Safe Driving Rules: 

  • Most of us use our phones for navigation or music while driving, and your teen is likely no exception. To reduce the distraction, instill a habit of turning off all notifications. Better still to have an out of sight, out of reach place for the phone until they reach their destination. 
  • Safety courses can not only give your child better driving habits, and they can also potentially help reduce your rates.
  • Telemetrics is a helpful nanny while your child is out on the road. These are apps or devices that monitor driving habits. Some insurance companies offer discounts for good driving. Your child will know their habits are being recorded and that knowledge can keep them mindful of their driving behavior. 
  • Check out safety ratings for possible rides. Not only will safety features bring you greater peace of mind, but they will also potentially offer a better rate on your premiums. 

Important Considerations

  • Tell your insurance about new drivers. If an accident occurs without that update, you run the risk of a denied claim or suspended policy. 
  • Consider adding an umbrella policy. Should the worst occur and your coverage is insufficient, an umbrella policy becomes a rainy day fund to protect your family’s financial wellbeing. 
  • Roadside assistance is another good addition. Should they land in a ditch or pop a tire, they’ll have the help they need. 

When it comes time to get your teen insurance coverage, it’s often cheaper to add them to your existing policy rather than start them a new one. When you are ready to look at your options, call or stop by Midwest Professional Insurance to find the policy that offers you and your family the best protection. 

Read More

Watching your teenager drive off in a car is one of the most daunting moments of any parent’s journey. Not only do you fear for their safety, but you also worry about the impact of adding a new driver to your insurance premiums. There are some steps you can take to reduce your worries on both fronts. 

Safe Driving Rules: 

  • Most of us use our phones for navigation or music while driving, and your teen is likely no exception. To reduce the distraction, instill a habit of turning off all notifications. Better still to have an out of sight, out of reach place for the phone until they reach their destination. 
  • Safety courses can not only give your child better driving habits, and they can also potentially help reduce your rates.
  • Telemetrics is a helpful nanny while your child is out on the road. These are apps or devices that monitor driving habits. Some insurance companies offer discounts for good driving. Your child will know their habits are being recorded and that knowledge can keep them mindful of their driving behavior. 
  • Check out safety ratings for possible rides. Not only will safety features bring you greater peace of mind, but they will also potentially offer a better rate on your premiums. 

Important Considerations

  • Tell your insurance about new drivers. If an accident occurs without that update, you run the risk of a denied claim or suspended policy. 
  • Consider adding an umbrella policy. Should the worst occur and your coverage is insufficient, an umbrella policy becomes a rainy day fund to protect your family’s financial wellbeing. 
  • Roadside assistance is another good addition. Should they land in a ditch or pop a tire, they’ll have the help they need. 

When it comes time to get your teen insurance coverage, it’s often cheaper to add them to your existing policy rather than start them a new one. When you are ready to look at your options, call or stop by Midwest Professional Insurance to find the policy that offers you and your family the best protection. 

Jul 30 2021

How to Determine How Much Auto Coverage is Enough?

Jul 30 2021 by adminPosted in Auto InsuranceTagged

Trying to determine what auto insurance coverage you need can be like speaking a foreign language. Luckily the team at Midwest Professional Insurance can answer all of your questions. When deciding what coverage to carry, it is important to guarantee that you have not only enough to meet the minimum requirements of your state, but also that you’ve secured enough coverage that your personal finances will be amply guarded if you are in an accident. 

To determine your auto insurance coverage needs:

  • Find out what your state requires. Make sure you have all minimum requirements met.
  • Find out what the cash value of your car is and how much you owe on the vehicle. (This is integral particularly for Comprehensive and Collision coverage which are often not required by state law, but are usually required by lenders.
  • Figure out what your net worth is and how much liability insurance you would need to cover that full amount. For example, your state might only require a minimum coverage of $25,000 for a single person’s injuries, $50,000 for all injured parties and $25,000 for property damage (or 25/50/25) but if your vehicle itself is worth $30,000 this would be woefully inadequate coverage for you and you would be wise to purchase higher coverage amounts in order to make sure you are fully protected.

The level of coverage you carry will have an impact on your monthly premium and your deductible, so it is vital to take the factors mentioned above into consideration to decide what is acceptable to keep at a minimum and what you should bump up. The team at Midwest Professional Insurance is waiting to help you determine what level of coverage is right for you!

Read More

Trying to determine what auto insurance coverage you need can be like speaking a foreign language. Luckily the team at Midwest Professional Insurance can answer all of your questions. When deciding what coverage to carry, it is important to guarantee that you have not only enough to meet the minimum requirements of your state, but also that you’ve secured enough coverage that your personal finances will be amply guarded if you are in an accident. 

To determine your auto insurance coverage needs:

  • Find out what your state requires. Make sure you have all minimum requirements met.
  • Find out what the cash value of your car is and how much you owe on the vehicle. (This is integral particularly for Comprehensive and Collision coverage which are often not required by state law, but are usually required by lenders.
  • Figure out what your net worth is and how much liability insurance you would need to cover that full amount. For example, your state might only require a minimum coverage of $25,000 for a single person’s injuries, $50,000 for all injured parties and $25,000 for property damage (or 25/50/25) but if your vehicle itself is worth $30,000 this would be woefully inadequate coverage for you and you would be wise to purchase higher coverage amounts in order to make sure you are fully protected.

The level of coverage you carry will have an impact on your monthly premium and your deductible, so it is vital to take the factors mentioned above into consideration to decide what is acceptable to keep at a minimum and what you should bump up. The team at Midwest Professional Insurance is waiting to help you determine what level of coverage is right for you!

Nov 29 2020

Is basic auto insurance coverage ever enough?

Nov 29 2020 by adminPosted in Auto InsuranceTagged , ,

Owning and driving a car is a privilege that most people take for granted. Your vehicle is a necessity to get to work and to run errands. Having good auto insurance means that you are protected if you are in an accident or your vehicle is damaged by something beyond your control. To understand if basic auto insurance coverage is ever enough, you need to understand what basic auto insurance coverage is. At Midwest Professional Insurance, we offer affordable and reliable insurance choices to those in Kansas, Illinois, and Missouri. 

In Kansas, the basic coverage every auto insurance policy must have is 25/50/25 liability coverage, which is $25,000 in bodily injury with $50,000 per accident and $25,000 in property damage. Uninsured/underinsured motorist of $25,000 and $50,000 and PIP (Personal Injury Protection) coverage. This is all valuable protection, and it covers the other motorist and yourself if you are injured, but it doesn’t cover your vehicle if you are responsible for the accident.

Basic auto insurance is enough if the value of your vehicle is minimal. If it is old or a clunker, you probably don’t need any additional coverage, but if you have a car with more than a few thousand dollars of value, collision and comprehensive coverage will make it possible to get your vehicle repaired or replaced. Comprehensive covers for things beyond just a collision, such as theft or damage due to a weather event or vandalism. If you need your car to get around, you probably should have more than just basic coverage. 

If you live in Kansas or the Illinois area, our team can help you find reliable auto insurance. At Midwest Professional Insurance, we are locally owned and operated. We strive to be a trusted choice who can help make sure you get the right insurance for your needs. Give us a call or stop into our office and let us provide a no-obligation quote. 

Read More

Owning and driving a car is a privilege that most people take for granted. Your vehicle is a necessity to get to work and to run errands. Having good auto insurance means that you are protected if you are in an accident or your vehicle is damaged by something beyond your control. To understand if basic auto insurance coverage is ever enough, you need to understand what basic auto insurance coverage is. At Midwest Professional Insurance, we offer affordable and reliable insurance choices to those in Kansas, Illinois, and Missouri. 

In Kansas, the basic coverage every auto insurance policy must have is 25/50/25 liability coverage, which is $25,000 in bodily injury with $50,000 per accident and $25,000 in property damage. Uninsured/underinsured motorist of $25,000 and $50,000 and PIP (Personal Injury Protection) coverage. This is all valuable protection, and it covers the other motorist and yourself if you are injured, but it doesn’t cover your vehicle if you are responsible for the accident.

Basic auto insurance is enough if the value of your vehicle is minimal. If it is old or a clunker, you probably don’t need any additional coverage, but if you have a car with more than a few thousand dollars of value, collision and comprehensive coverage will make it possible to get your vehicle repaired or replaced. Comprehensive covers for things beyond just a collision, such as theft or damage due to a weather event or vandalism. If you need your car to get around, you probably should have more than just basic coverage. 

If you live in Kansas or the Illinois area, our team can help you find reliable auto insurance. At Midwest Professional Insurance, we are locally owned and operated. We strive to be a trusted choice who can help make sure you get the right insurance for your needs. Give us a call or stop into our office and let us provide a no-obligation quote. 

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