If you are going to operate a motor vehicle, it is crucial that you make sure that you are properly insured. Car accidents are common, and they can result in expensive medical and repair bills. The right auto insurance policies can reduce risks and provide coverage. If you’d like to learn more about car insurance rates, contact Blue Hen Insurance LLC, serving Middletown, DE and other areas nearby.

Accident Stats and Facts

Americans rely extensively on their vehicles, and in 2021 there were more than 280 million vehicles in operation, according to Statista. The United States is home to more than 220 million people with driver’s licenses. Ultimately, around 215 million people carry car insurance. The average American will drive more than 14,000 miles per year.

Car accidents are common as well, and many people will end up involved in one at some point. Indeed, each year there are more than 5 million car accidents. While many of these accidents are relatively minor, more than 40,000 people are killed in accidents per year.

Given how common car accidents and drivers are, it should come as no surprise that the auto insurance industry is quite large. Indeed, IBIS World reports that the auto insurance market is worth over $300 billion. Data collected by the National Highway Traffic Safety Administration (NHTSA) suggests that vehicle accidents cause more than a trillion dollars worth of damage per year.

Consult With Us

If you’re operating a vehicle, it’s crucial to protect yourself, your family, and other drivers by taking out a car insurance plan. Contact Blue Hen Insurance LLC, which serves Middletown, DE and other communities to discuss auto insurance options.

As a driver, it’s not enough to just have auto insurance. At Blue Hen Insurance LLC, we’re providing roadside assistance coverage to the people of Middletown, DE. It’s important for vehicle owners to have coverage in a variety of situations, including roadside trouble.

What is Roadside Assistance?

If you’re constantly driving a vehicle, then you’ll know the likelihood of experiencing a roadside breakdown. Some drivers have to pull to the side of the road when their transport has developed a flat tire, a faulty battery, a damaged auto part, or an electrical problem of some sort. If you don’t have auto repair experience, then you’ll need to call a service to tow your vehicle into an auto shop. Roadside assistance can be surprisingly costly, especially if you don’t have auto insurance to pay for everything. That’s why many vehicle owners opt to buy auto insurance that covers roadside assistance. This is the type of insurance policy that covers gas delivery, vehicle towing, puncture repair, and any other services related to roadside assistance. 

Is Roadside Assistance Coverage Necessary?

For many drivers, roadside assistance coverage is an important policy to include. Some people own vehicles that are likely to experience a breakdown while driving on the road, or they live in areas where roadside assistance is expensive. Either way, having roadside assistance coverage will provide drivers peace of mind. This kind of policy is considered a part of a comprehensive insurance package that covers all the buyer’s needs. 

Getting Roadside Assistance Insurance in Middletown, DE

If you’re interested in hearing about our roadside assistance coverage, contact Blue Hen Insurance LLC. Our team of experienced agents will be happy to answer any of your questions related to auto insurance. 

Ready for a summer road trip in Middletown, DE? Not so fast! Your car needs a little TLC before you hit the road, and here at Blue Hen Insurance LLC, we know just where you can start. Here are a few tips you can use to prepare your car for your next road trip.

How to Prepare Your Car for a Summer Roadtrip

1. Visit a Mechanic

Before a long trip, you want to have an inspection done by a professional. While there are basic maintenance tasks you can perform ahead of time by yourself, like checking your tire pressure, you will want a mechanic to inspect your brakes in case wildlife runs in front of the road, a car suddenly stops, or unruly weather causes you to stray off the road.

2. Check Your Car Insurance Policy

You don’t want to have to worry about whether you have coverage while you’re sitting on the side of the road with a broken windshield. Make sure your car insurance policy is current so you can be prepared if there’s an accident. 

3. Test Your Air Conditioner

If you’re warm on short trips to the grocery store, imagine what an entire road trip in the summer heat will feel like with your AC not working! Check the temperature in your car with the AC running and make sure it’s in working condition before you head out on the road.

Begin Your Adventure Now

Middletown, DE is beautiful, especially in the summer. Ready to go exploring? Contact Blue Hen Insurance LLC today to learn more about car insurance policy options that will be the right fit for your next summer trip. 

Car accidents are, unfortunately, a fairly common occurrence. Should you find yourself in a crash, you’ll be responsible for paying to have your car fixed or replaced if you don’t have collision insurance. This form of insurance is often required for those that are leasing or financing their car but optional for those that own their car outright. Unlike liability insurance, a collision policy will kick in even if you are found to be at fault.

What’s Covered By Collision Insurance

As previously mentioned, collision insurance covers the repair or replacement of your car should you be involved in an accident. In general, this type of policy applies during

• Single-car accidents where there’s a rollover or a collision with an object such as a fence, tree, or guardrail
• Accidents involving another car, including hit and runs

Though it may not be required, having a collision policy in place to protect against these types of situations can prevent you from paying thousands of dollars out of pocket.

What’s Not Covered By Collision Insurance

It’s important to remember that collision insurance only covers damage to your car and not injuries or damage to other vehicles or objects. Other instances where collision insurance does not apply include weather-related damage, car theft, and collision with animals. If you would like to have these events covered, you’ll need to buy comprehensive insurance as well.

Looking for a Customized Insurance Plan in Middletown, DE?

Contact Blue Hen Insurance LLC Today!

When you need peace of mind that your car is protected in the event of an accident, turn to the professionals at Blue Hen Insurance LLC. Drivers in Middletown, DE have trusted us to provide them with a personalized policy that gives them the right amount of coverage without breaking the bank. Contact our team today to receive your quote.