We provide auto insurance that protects against potentially crippling financial losses and the inconvenience of being without transportation.
How can auto insurance protect you?
Use the yellow hot spots and explore how auto insurance can help protect against common risks.
Bodily Injury Liability Coverage
Risk Factor Include
It’s easy to get distracted while driving. All it takes is an incoming text message, and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.
Solution
Bodily injury liability covers your legal liability for the accident that involves injury to another person. You should consider purchasing an excess liability policy which may provide additional limits of liability.
Property Damage Coverage
Risk Factor
When involved in an auto accident, you may be financially responsible for damages caused by your vehicle to someone else’s property. Usually, this means damage to someone else’s car or property.
Solution
The property damage portion of your auto insurance policy protects you if your car damages someone else’s property.
Medical Payments Coverage
Risk Factor
Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it’s not uncommon for healthcare costs to run into the thousands of dollars.
Solution
Medical payments coverage can help cover all reasonable medical expenses and funeral expenses of covered drivers and passengers after an accident.
Uninsured / Underinsured Motorist Damage Coverage
Risk Factor
What happens when the driver who hit you doesn’t have enough liability coverage? Or, even worse, they take off?
Solution
Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, or a driver whose automobile insurance company is insolvent.
Physical Damage Coverage
Risk Factor
Your automobile can be costly – one that is exposed to many potential losses caused by weather-related events, theft, and other circumstances that may be out of your control.
Solution
Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object, or if your vehicle is stolen.
Rental Coverage / Loss of Use
Risk Factor
When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption.
Solution
Rental coverage/ loss of use is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident.
Not all car insurance is created equal. Some auto insurance policies simply meet the legal requirements. In most states, this means your auto insurance will cover the damage you cause to other cars in collisions.
Talk with us and ensure you have the right auto insurance coverage in place with the right insurance company.
