FAQs (data-driven)

Auto Insurance

• What is Auto Insurance?

  Auto Insurance helps protect you financially if you’re involved in an accident, your vehicle is damaged, stolen, or if you’re responsible for injuries or property damage.

• Why do I need Auto Insurance?

  Most states require drivers to carry a minimum amount of Auto Insurance. Beyond legal requirements, Auto Insurance helps protect you from unexpected expenses related to accidents, repairs, medical bills, and liability claims.

• What types of Auto Insurance coverage are available from Goldenwest Insurance Services?

  Coverage options from Goldenwest Insurance Services may include:
  - Liability Coverage
  - Collision Coverage
  - Comprehensive Coverage
  - Uninsured/Underinsured Motorist Coverage
  - Medical Payments Coverage
  - Personal Injury Protection (PIP)
  - Roadside Assistance
  - Rental Reimbursement
  

• How much Auto Insurance coverage do I need?

  Coverage needs vary based on your vehicle, driving habits, budget, and financial goals. A licensed insurance representative can help you determine the right level of protection for your situation.

• What does liability insurance cover?

  Liability coverage may help pay for injuries or property damage you cause to others in an accident.

• What is comprehensive coverage?

  Comprehensive coverage may help protect your vehicle from non-collision events such as theft, vandalism, hail, fire, or falling objects.

• What is a deductible?

  A deductible is the amount you pay out of pocket before your insurance coverage helps pay for a covered claim.

• Are insurance products insured by the NCUA?

  No. Insurance products are not NCUA insured, are not guaranteed by the credit union, may lose value, are not insured by any federal agency, and are not a bank deposit.