When accidents happen, you may find yourself frustrated with the long process of getting back on the road. At Jim Boyce Insurance, our team of experienced auto insurance agents are available to help you to learn if you can get back into an auto insurance policy and what you can expect going forward. When a vehicle is totaled, that means the insurer decided the vehicle was too expensive to repair. The company may or may not help you replace that vehicle. However, you’ll need a new auto insurance plan for it.

What to Consider About Your New Plan

The new auto insurance policy you select will need to represent the new vehicle. You do not have to have the same plan, the same type of insurance, or the same coverage levels. However, you may notice a few bumps in the road to the process depending on the circumstances of your accident.

If you were found liable for the auto accident, that means that your insurance company may have had to pay a significant amount to total the vehicle and to cover any damage that occurred to other people’s vehicles or property. In some cases, this can lead to an increased level of risk to the insurer from providing you with a new policy. That may mean you will have a higher premium cost. You can often find policies that are affordable. And, in some cases, you may have restrictions such as an SR-22 put in place by the Department of Motor Vehicles.

What Should You Do?

The first step is always to get a new quote for auto insurance. Our team at Jim Boyce Insurance provides residents in Charlotte, NC and the surrounding area with comprehensive policies to meet most needs.