RED Shield Administration: Vehicle Protection VS Insurance

Owning a car gives you freedom of movement but also exposes you to several risks. For example, the vehicle could be involved in a crash or malfunction in some way without any warning. Ignoring these possibilities can be costly. 

Put safeguards in place before they happen, such as an auto insurance policy and a vehicle protection plan. These are different financial products that can work in tandem for robust coverage. Find dependable companies that offer them, like Red Shield Administration. Would you like to know their key features and distinctions? Read on to learn more about these topics. 

What is Car Insurance?

Even the most careful individuals are not immune to collisions. A crash can happen due to mechanical failures, drunk drivers, bad weather, fatigue, or distractions. It may result in bodily injuries and property damage. 

Car insurance may cover the costs associated with vehicular accidents. It guarantees financial readiness for whatever happens on the roads. Knowing that you and other drivers have insurance policies should boost your confidence. Carry your insurance documents in your car at all times.

The exact coverage depends on your policy. Liability insurance is mandatory in most states. You cannot drive without it. Doing so will result in a ticket and other penalties. However, you must remember that this is an outward-facing coverage. It shoulders the medical treatment and vehicular repairs of the other party, in case you are partly to blame for the incident. In other words, it covers your liabilities, not your injuries and car damage. 

You can expand coverage to meet your needs. Doing so will increase your insurance payments, but it may be worth your money. After all, both parties typically sustain some damage in a collision. Personal injury protection will cover your medical bills and related expenses, while comprehensive insurance can take care of expensive car repairs. It may also activate in case of floods, fires, and vandalism.   

Note that you cannot always rely on the other motorist to have insurance. Some people try to cut costs by driving without liability coverage. If you get into accidents because of them, you will be left to shoulder all the expenses of repairs to your car or treatment for yourself. Uninsured motorist insurance can shield you from this unfortunate scenario. It is optional in most places. You can decide whether to add this to your policy. 

What is Vehicle Protection?

Insurance is great against unexpected external agitation. However, car problems do not always come from the outside. Sometimes, parts act up and foil your plans. When components fail, you need to repair or replace them immediately. Otherwise, an annoying problem could become a serious safety concern. 

Not everyone has ample savings for unexpected breakdowns. A vehicle protection plan handles this, so you don’t have to pay out of pocket. Get one to shrug off emergency repair costs and resolve issues immediately. 

Some companies, like Red Shield Administration, offer multiple vehicle protection plan levels for you to choose from. Some might focus on the essential parts, such as the motor and the drivetrain, to keep the car moving no matter what. Other plans might include the cooling system, electronics, and other mechanical components for comprehensive coverage. Select the former to minimize payments; the latter to maximize protection.  

A vehicle protection plan may seem redundant when there is already a manufacturer’s warranty, but they are not the same. Warranties have a limited scope. They tend to cover specific parts and exclude others. They shield buyers from manufacturing defects, but not from normal wear and tear. A protection plan may save your wallet by covering the gaps in your warranty. It is also helpful in cases where the warranty is void or expired. 

The Differences Between Insurance and Vehicle Protection

Let’s do a quick recap of what we’ve discussed so far. Car insurance and vehicle protection are handy tools in times of trouble, but they take effect in different situations. Insurance is essential for collisions because it can pay for your liabilities. If you get a policy with expanded coverage, it can also pay for your medical bills and vehicle repairs. 

Comprehensive insurance may even cover damage from vandalism, falling debris, hail, and floods. Check the minimum insurance coverage in your state and adhere to it to avoid hefty fines, licensing issues, and other penalties from law enforcers. 

Meanwhile, a third-party vehicle protection plan patches the gaps in manufacturer warranties. It is not mandatory, but it is a good addition if you want peace of mind. The plan will cover your chosen parts, from the engine to the electronics. It may also have additional features, such as roadside assistance to cover car towing and tire changes. 

Some companies may even provide their customers with free rental cars while they wait for the completion of repairs. These rentals help reduce any disruption to their schedules. They can continue to work and run errands with ease.  

About Red Shield Administration and Its Streamlined Claims Process

Red Shield Administration is one of the leading vehicle protection plan companies in the country. What sets it apart is its excellent customer service. You can call their hotline every day from 5 am to 5 pm MST. You can also send them an email or use their online contact form for questions and concerns. 

If you need to file a claim, use their dedicated website for fast processing. Just log in using your email and password to begin. Online claims can get an instant response from company representatives who will assist with the requirements and the procedures.  

A protection plan from Red Shield Administration can fortify your shield against financial shocks due to car repairs. It can step in when the manufacturer’s warranty expires and cover issues other contracts exclude. 

You can save money by relying on Red Shield instead of your wallet. You also get perks that insurance companies do not offer. For those who are unsure about whether insurance companies can cover what they need, RED Shield is a good choice to consider.