Personal Auto Insurance

UNDERSTAND YOUR PERSONAL AUTO POLICY OPTIONS

These days personal autos are stacked with bells and whistles. We’re here to make sure your policy covers what you need to protect your investment and help you choose the right kind of coverage or additional protection. Below is an overview of the types of coverage we offer and how they protect you. Contact us to get the best combination of coverage, value, and price, as well as, advice on which options are right for you.

Collision

Collision coverage pays for damage to your covered vehicle (up to its actual cash value), less the deductible amount, for losses caused by collision.

Comprehensive Coverage

Comprehensive coverage, known as “other than collision” coverage, pays for damage to your covered vehicle, less the deductible amount, from events such as fire, theft and hail.

Medical Payments

This auto insurance coverage pays reasonable and necessary medical expenses, up to the selected limits, directly resulting from an auto accident.

Bodily Injury Protection

Bodily Injury Protection protects you against financial loss when you are held legally responsible for an automobile accident causing injury or death to someone else.

Property Damage Liability

Property Damage Liability covers you against financial loss if you are found liable for damage to other people’s property (fences, another vehicle, etc.) caused by your auto.

Uninsured Motorist Bodily Injury

This coverage pays bodily injury or death expenses for you and any passengers in your vehicle up to your policy limits if you’re struck by a driver who doesn’t have insurance.

Uninsured Motorist PropertyDamage

This coverage pays for damage to your vehicle when it is struck by an uninsured driver, a hit-and-run driver, or an insured driver whose Property Damage Liability limit is inadequate to cover the property damage losses incurred.

Personal Injury Protection

This auto insurance coverage pays benefits for the cost of personal injuries resulting from an automobile accident. Coverage applies without regard to who was at fault.

Full Glass

This coverage pays the amount of a covered glass loss with no deductible being applied. It is an optional coverage on your policy.

Towing and Labor

This car insurance coverage pays up to the selected limit for towing of your covered vehicle when it is inoperable, whether or not there is an accident involved.

Rental Reimbursement

If your car becomes inoperable due to a covered loss and you need to rent a substitute, this auto insurance coverage pays the cost of the rental car up to your policy limits.