Auto Insurance

The Lyman Agency, LLC is made up of a team of experienced and licensed Auto Insurance Agents and staff who are ready to help you craft a policy that protects you and your vehicle at the best rates. We pride ourselves in taking a personal interest in you and your family and making sure you are properly covered from the unexpected. The road can be a dangerous place and you are at the mercy of the person driving in the opposite direction. We all know about the news headlines of distracted driving, drunk driving, and reckless driving. Someone else’s poor judgment can impact you in the blink of an eye, and after a serious accident occurs is not the time you want to find out how good your auto insurance is. It is important to have the proper insurance policy and a dedicated insurance agent that you can trust to recommend the right coverages and thoroughly explain them to you. That’s what we do at The Lyman Agency, LLC.

Did you Know:

  • According to the Connecticut Department of Transportation, in April 2019 alone, over 10,000 distracted driving tickets were issued across the These citations represent just a fraction of how large a problem distracted driving really is. Connecticut DOT also reported that in 2015 there were nearly 33,000 distracted driving accidents in Connecticut with 45 fatalities.
  • In Connecticut, according to the 2019 research study by Insurance Research Council, 9.6% of vehicles being driven on the state roads do not have insurance even though it is the law. Given there are approximately 1,350,000 Connecticut registered vehicles, this means approximately 130,000 that has no auto
  • According to The Foundation for Advancing Alcohol Responsibility, in 2018 there were 784 DUI arrests in CT and 115 fatalities.

Understanding Car Insurance Coverages

Auto insurance coverages can be confusing: bodily injury liability, uninsured/underinsured, collision, comprehensive. The licensed insurance agents at The Lyman Agency, LLC are here to help you select policy coverages that protect you. Everyone looks at insurance differently, and a large part of the agents’ job is to take the time to understand what is important to you. We call this aversion to risk, or what risk you are willing to retain or hand over to the insurance carrier. For example, you may have an older pickup truck that you only drive to do chores on Saturday and only want liability coverage, but your spouse drives a new Range Rover and you want to be sure it is covered against all that can go wrong.

Basic car insurance coverages typically fall into three categories:

  • Coverages that protect your car
  • Coverages that protect you and your passengers
  • Coverages that protect your assets and savings (liability)
  • Some are required. Some are optional. All are extremely important to consider.

The Basics of Car Insurance: Your insurance policy is made of various sections of coverage to provide protection for the various types of risk you face every day while operating a motor vehicle. They include:

  • Bodily Injury Liability: Coverage for any damages you do to others, i.e. injuries, and pain, and This coverage also provides your defense in the case that you are sued by the other party. FYI the defense cost is above and beyond the liability limits.
  • Medical Payments: This coverage is to pay medical payments for the occupants of the vehicles without admitting liability. It usually starts at $1,000 in coverage per accident per occupant.
  • Property Damage Liability: Coverage for damage you cause to someone else’s vehicle(s) and surrounding property, i.e. telephone poles and guard rails.
  • Uninsured/underinsured motorist bodily injury: Coverage for you and your rider(s) if the other driver does not have insurance or their policy limits don’t pay the medical bills. Uninsured/ Underinsured motorist coverage is mandatory in Connecticut.
  • Comprehensive: this coverage is to repair the car in the event of other than a collision claim, i.e. a deer strike, or a tree falls on your car while parked.
  • Glass Coverage: This is coverage for any broken or cracked glass without a deductible.
  • Collision: This coverage is to repair your car.
  • Gap Coverage: This coverage will pay the difference between what is owed on the car and its current value, in the case that your car is totaled.
  • Roadside Assistance: Roadside service and towing.
  • Rental Reimbursement: Coverage to cover the cost of a rental car while your car is being repaired from an accident.
  • Deductible: The amount you will pay out of pocket in the event of an accident.

 

Connecticut’s Minimum Required Auto Insurance Coverages:

  • $25,000: Injury-related expenses per person (The total amount your insurance carrier will pay to anyone you injured in an accident).
  • $50,000: Injury-related expenses per incident (The total amount your insurance carrier will pay out toward liability on anyone claim).
  • $25,000: Property damage for each incident: (This covers the damage you caused to another’s vehicle and surrounding property).

How Much Coverage do I really need?

Excellent question! Given that you are at the mercy of the oncoming driver and many may be distracted, impaired, or reckless, we recommend the following:

Bodily Injury liability: Our recommendation is a minimum of $100,000 per person and $300,000 aggregate (maximum liability per accident). We highly recommend $250,000 per accident and $500,000 aggregate, and this limit is the underlying requirement for an umbrella policy.

Medical Payments: This is optional coverage and starts at $1,000 per accident per occupant and can increase to $25,000 per accident per occupant. We recommend a minimum of $5,000.

Property Damage liability: We recommend a minimum of $100,000. If you are in an at-fault chain accident and there are a couple of luxury vehicles involved in the accident, you can easily rack up $100,000 of property damage.

Uninsured/underinsured motorist bodily injury: This coverage follows Bodily injury liability coverage. We recommend a minimum of $100,000/ $300,000 and Highly recommend $250,000/$500,000.

Glass Coverage: No Charge it is part of the policy

Collision: The collision coverage is the actual cash value of your vehicle and is automatically calculated using your vehicle identification number.

Gap Coverage: In the case of your vehicle being totaled this will cover the difference between the actual cash value and the amount still owed on your loan or lease. This can provide great peace of mind to know you will not owe the bank a few thousand dollars in the case of a total loss of your vehicle.

Roadside Assistance: Again, this coverage provides a great deal of peace of mind to know roadside assistance is only a phone call away and very few dollars.

Rental Reimbursement: An optional coverage for a few dollars to rent a car when your vehicle is being repaired from an accident. Coverage begins at $25 per day and you can opt for higher.

Deductible: We recommend $500 or $1,000.

 

This might seem confusing but don’t worry, we are here to explain the various coverages of your policy to you!

 

Depending on your stage of life, your auto might be your biggest investment next to your home. It is important to make sure it is properly protected no matter where life finds you.

Of any liability claim, the pending lawsuit or the defense cost can be the most expensive part. Most people don’t realize that as long as the claim is still open, the insurance company is responsible for defending you. Once they settle, the defense closes. In an at-fault accident, if your liability coverage is low, the insurance carrier can settle the claim and have no obligation to provide a defense, leaving you to defend yourself. With the proper liability coverage, the likelihood of this occurring is slim.

What do you Drive?

  • A no thrills sedan
  • A family minivan or station
  • A hatchback
  • A heavy-duty pickup
  • An extended SUV
  • A convertible
  • A sports car
  • A luxury sedan or coupe
  • An antique rare collector car
  • A classic muscle

The Lyman Agency, LLC. and our auto insurance agents are here to make sure you are properly protected and explain your policy. Interested in receiving a Quote?

Please click below or call us at 860-349-7064.

Learn about all the options and potential discounts so you can choose the coverage you want.

Car Insurance Discounts: There are ways for you to benefit from car insurance discounts, including the following:

  • Bundling several types of insurance: Home, Auto, and Life. Ask us about our tri-line program
  • Multi-car policies
  • Discounts for safety features
  • Accident-free
  • Good student discounts
  • Loyalty discounts
  • Age
  • Defensive driving course discount
  • Student Away at School discount
  • Driver training discount for new drivers

How Much Does Insurance Cost? May be less than you thought!

The cost of your auto insurance will depend on multiple factors, including the type of vehicle that you have, your driving record, your age, and others. When you grow older, your rates will fall. Your cost will also depend on how much coverage you choose. When you purchase insurance, the family members who live with you and share the vehicle are also explicitly covered. If their records are poor, your costs can increase.

Auto Quote Check List: The things we will need to properly quote your auto insurance:

  • Name(s) of the owner of the car and the address of where it is
  • Current insurance carrier declaration pages (the first 3 or 4 pages that have the summary of coverages and expiration date).
  • Vehicle Information: Year, Make, Model, Body Style, or VIN (Vehicle Information Number) if not listed on the declaration.
  • Social Security Number of the policy owner: (Please Note: We take great care in protecting your personal information through secure and encrypted quoting and policy The Lyman Agency, LLC takes data security very seriously and maintains cyber coverage in the event of a data breach).
  • Current driver information: Driver name(s) and date(s) of birth, driver’s license number(s) and state(s) of
  • Current odometer reading. (Current mileage on the car).

Choose the Lyman Agency

The Lyman Agency, LLC is a full-service Connecticut insurance agency that specializes in helping people to choose the right coverage for their needs at the best rates. To obtain your free car insurance quote, contact us today.

 

Our licensed agents will be happy to review your insurance needs, and together we will determine what is best for you!

Personal Umbrella Policy

As you accumulate assets and your net worth grows, this is the time to seriously consider a Personal Umbrella Policy. An Umbrella Policy is liability coverage in increments of a million dollars that is in addition to your liability coverages on your underlying policies, of homeowners, Personal Auto, boat and motorcycle.

We will be happy to review your insurance needs and together we will determine what is best for you.

Contact Us Today!

Be Sure With Lyman Insure

At Lyman, we understand that your business is unique. You want an insurance agency that is familiar with the business to ensure you have the complete coverage you need.

Lyman Insure™ has the experience that business owners need to protect all aspects of their business. At The Lyman Agency, LLC., we recognize that it is the relationships we establish with our clients that set us apart. Please contact us for a free quote or insurance evaluation. You can be sure with Lyman Insure.

Protection for you and your family for Life:

You work hard to make sure your loved ones have a comfortable life. How would they fare financially if you weren’t there to provide for them? Without your income to support them, could your family pay bills, make mortgage payments, cover debts or fund a college education? Life insurance is one of the best ways to protect the people you love.

Get Your Free Quote

Get the coverage you need for your Home, Business, Farm, Life and more. Let us complete a full policy review and prepare a quote for you Today!

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