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UG Insurance Brokerage Inc Blog

Reasons to Maintain Auto Insurance Despite Covid-19 Pandemic

9/23/2020

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​The global Coronavirus pandemic brought about mandatory curfews and business closing to minimize the spread of the virus. With this thought, policyholders may be wondering about how auto insurance companies will continue its operations. Others may be considering dropping some of their coverage to save on premiums. If driving owned cars are the only safe mode of transportation during this pandemic, maintaining auto insurance is necessary.
  1. Effects of Covid-19 Pandemic to Auto Insurance Costs
    Policyholder’s auto insurance will not change unless the auto insurance company offers discounts or payback on premiums. Despite the limitations of traveling, it is still best to maintain auto insurance to cover expenses when one might need to drive in case of an emergency. Even during the pandemic, cars may still be damaged, stolen, or wrecked in an accident.

  2. Lowering Auto Insurance Costs
    The halt in business operations and economic activities affected everyone’s income. Dropping auto insurance coverage is not the best solution, but lowering its cost will be of great help. Negotiating With auto insurance companies on discounts, a higher deductible, or dropping optional coverage can reduce these costs.

  3. Auto Insurance Companies Actively Responds to Covid-19 Pandemic
    Responses of auto insurance companies to the outbreak, as well as the crisis brought by it, vary from company to company. Some give paybacks on a percentage of monthly premiums, while others offer a flat rate refund for policyholders. Moreover, some companies provide billing support and temporary payment extensions, and others decrease insurance rates.

  4. Filing a Car Insurance Claim During Pandemic
    Since this process involves multiple parties, it is probably the aspect of auto insurance that is most affected by the pandemic. The closing of offices and businesses may cause slight delays. If one gets into an accident and wants to file a claim, they should observe social distancing in doing this. Hence, they should contact their insurance company over the phone, through the company’s website, or a mobile app.

Conclusion
The pandemic may have lessened cars on the road, but it doesn’t assure accidents will decrease. Given that private driving cars is the only safe mode of transportation, maintaining auto insurance protects policyholders from higher costs. 

At UG Brokerage Insurance Inc., we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (718) 848-7777 or Click Here to request a free quote.
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