Auto Coverage

Provides protection against loss to your vehicle and from financial loss should you become legally liable for the injury of another. An automobile insurance policy protects your financial interest in your vehicle and your liability to others.We offer a variety of coverages based on your specific needs. Depending on the company you choose, you can get discounts for:

• Good Driving Record
• Driving a Safe Car
• Good Student Credit
• Students that take driver's training
• Low annual mileage
• Multiple cars with same insurance company
• Having other policies with the same insurance company
• Airbags and anti-lock brakes

Features/Coverage:

Bodily Injury — this is the most important coverage you should have. You could be held liable for hundreds of thousands of dollars in hospital and medical expenses, particularly if several people are injured. Bodily Injury Liability protects you from financial loss up to your policy limits when you're responsible for injuring pedestrians, passengers in your car or persons in another car. Your company will also provide a lawyer to defend you if you're sued for injuries or damage.

Property Damage — this coverage protects you from financial loss up to your policy limits for damage to the property of others that results from an accident for which you are responsible. Damage to another person's car or property such as fences or mailboxes are examples of what property damage coverage provides. (Coverage for damage to your car is provided under Other than Collision coverage.)

Bodily Injury and Property Damage coverage are frequently sold together under what's referred to as "Split Limits", such as 25/50/25. (The first two numbers refer to the limits for Bodily Injury Liability and the third number refers to the Property Damage Liability.)

Uninsured Motorists Liability — Most states require that all drivers have some insurance, but not all drivers comply. Uninsured motorist coverage is designed to protect you and your passengers if you are injured in an accident caused by a driver who has no insurance or by a hit and run driver. This coverage also protects you and resident relatives as pedestrians from uninsured drivers.

Medical Payment Coverage — this coverage is provided for you and passengers in your car for injuries resulting from an accident. Specifically, it covers the following expenses up to your selected coverage limit: Doctor, Hospital, Surgical, Ambulance, X-Ray, and Funeral Services. Medical Payments coverage differs from Bodily Injury Liability in that it covers medical expenses incurred by you, members of your family, and guests in your car. In addition, payment is made regardless of who is at fault.

Collision Coverage — Collision coverage pays for damage to YOUR car caused by a collision with another car or an object. It pays for all repair costs even when you cause the accident-minus your deductible-up to the value of your car at the time of the accident. If you car is "totaled", your company will pay you an amount equal to the retail value or "Actual Cash Value" of your car. Damage to your car is paid by your insurance company, however, if the other driver is at fault, your company will seek reimbursement from the other driver's insurance company.

Other than Collision Coverage — formerly called comprehensive coverage, this insurance covers most damage to your car other than collision and mechanical and electrical failures. For example, theft, glass breakage, and damage from fire, falling objects, and vandalism are covered. If your car is stolen, coverage for transportation expenses up to a specified limit begins after a certain period of time (usually 48 hours) after the theft is reported.

Rental Car Coverage — reimburses you, (up to your stated limit), for a rental car during the time you are unable to use your vehicle because of a covered incident.

Back to Top