Auto Insurance Policies
Personal
auto insurance is a complicated area. Many insurers lead you to
believe that discussing this subject with an inexperienced telemarketer
is a quality substitute for having a personal agent. Don't buy into
that theory for a minute.
 Through
our years of experience we can prove time and time again that there
is no substitute for having an agent to guide you. Price is part
of the issue, not the entire issue. We will give you prices from
other companies, AND we can SELL you those other companies. The
bitterness of poor coverage and service will linger long after the
happiness in discovering cheap coverage. Talk to us about the unique
features of our auto plans. Call or
Email us to find out
the latest coverages available or complete our online
information request form . Group discounts may be available,
please contact us for more information!
Generally speaking,
most Personal Auto policies provide the following basic coverages:
-
Bodily
Injury Liability - Covers accidental injury or death of
another person if caused by you in an automobile related accident.
-
Property
Damage Liability - Covers accidental damage to other people's
property if caused by you in an automobile related accident.
-
Defense
Costs - Covers court costs, legal expenses and attorney's
fees.
-
Collision
- Covers you for damage to your car in an accident, regardless
of who was at fault.
-
Other
Than Collision - Covers your car against damage from fire,
lightning, flood, theft, glass breakage, falling objects, and
other specified perils.
-
Personal
Injury Protection - Covers you and your family who sustain
bodily injury caused by an accident involving the use of an
automobile, for medical expenses, income continuation, essential
services, death benefit and funeral expenses.
-
Uninsured
/ Underinsured Motorist - Covers injury suffered by you,
your family and anyone riding in your car against the uninsured
/ underinsured or hit-and-run driver.
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