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Tom Steckler Agency, Inc

10432 Coldwater Rd
Fort Wayne, IN 46845

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Dealing with Hit-and-Runs: Uninsured Motorist Coverage

Hit-and-run accidents can be a nightmare for drivers in Fort Wayne, IN. Not only do you have to deal with the shock of the accident, but you’re also left with the financial burden of repairs and medical bills. This is where uninsured motorist coverage in your auto insurance from Tom Steckler Agency comes into play.

Understanding Uninsured Motorist Coverage

Uninsured motorist coverage is a part of auto insurance that covers your expenses if you’re hit by a driver who doesn’t have insurance or leaves the scene of the accident. This can include medical expenses, vehicle repairs, and even lost wages.

Why You Need Uninsured Motorist Coverage

Without uninsured motorist coverage, you could be left to cover your expenses out of pocket after a hit-and-run. This coverage ensures that you’re financially protected in such situations.

How Tom Steckler Agency Can Help

At Tom Steckler Agency in Fort Wayne, IN, we understand the financial burden that a hit-and-run can place on you. We can help you understand the importance of uninsured motorist coverage and ensure it’s included in your auto insurance policy.

Secure Your Financial Protection Today

Don’t let a hit-and-run leave you in financial distress. Contact Tom Steckler Agency today to ensure your auto insurance includes uninsured motorist coverage and you’re well-protected in Fort Wayne, IN.

The Impact of Driving Behavior on Your Auto Insurance

Many vehicle owners in Fort Wayne, Indiana, wonder how their driving behaviour affects their auto insurance premiums. Tom Steckler Agency presents this helpful guide to uncover the connection between your driving habits and insurance costs.

Your Driving Record Matters

Your driving record plays a pivotal role in determining your auto insurance premiums. At Tom Steckler Agency, we have found that drivers with clean records usually enjoy lower rates than those with violations. Instances like speeding tickets, DUIs, reckless driving citations, and at-fault accidents significantly increase your insurance costs. Make sure to drive safely and responsibly to maintain a clean driving record.

Track Record of Accident Claims

Insurance companies observe your track record for any accident claims filed in the past. If you’ve filed numerous claims, your risk level increases in the eyes of insurers, resulting in higher premiums. Where possible, consider paying out-of-pocket for minor incidents to avoid hikes in your insurance rate.

Defensive Driving Courses Can Help

Did you know completing a defensive driving course can positively impact your insurance costs? In Fort Wayne, Indiana, many auto insurance companies, including Tom Steckler Agency, offer discounts to drivers who complete certified defensive driving courses. Not only do you become a safer driver, but you may also be able to save on your premiums.

Lower Mileage, Lower Premiums

Lastly, the number of miles you drive annually affect your insurance rate. Less mileage often leads to lower premiums as it reduces the likelihood of accidents and wear and tear on the vehicle.

In conclusion, maintaining good driving behavior is beneficial in more ways than one. It presents a win-win situation – you stay safe on the road, while also keeping your insurance costs reasonable at the same time. So remember, drive safe and save with Tom Steckler Agency, the trusted choice for auto insurance in Fort Wayne, Indiana.

Partner Carriers

  • AAA
  • Banner Life
  • Bristol West
  • Dairyland
  • Donegal
  • Encova
  • Foremost
  • Foremost Signature
  • Grange
  • Hagerty
  • Main Street America
  • National General
  • Nationwide
  • Openly
  • Orion 180
  • Principal Life
  • Progressive
  • Prudential