What do you think of when you picture your automobile? A gas sipping sedan? A working man’s truck? A high-value import or a minivan for the family? No what matter it may be, we have options.While laws differ state to state, a typical car policy have the following parts:

Liability Coverage

Liability coverage includes both bodily injury and property damage liability coverage and is required in most states. Basically, if you cause an accident, hurt someone or damage someone’s property, it can pay for covered damages and to defend you if a lawsuit results. We believe in getting the highest limits you can get when it comes to liability. The cost is minimal when going up the next liability level, and you will be happy you did. You can also consider an umbrella policy for even more protection.

Collision Coverage

Collision coverage helps pay for damage to your vehicle if your car hits another car or object, gets hit by another car or if your vehicle rolls over. This coverage is generally required if your car is financed or leased.

Comprehensive Coverage

Comprehensive coverage AKA other than collision coverage helps pay for damage to your vehicle that is not caused by a collision. Self explanatory there. Examples would be theft, vandalism, hitting a deer or other animals.

Personal Injury Protection

Personal Injury Protection (PIP) is available in certain states. It pays medical expenses, and in somecases lost wages and other damages regardless of who is at fault in an accident.

Medical Payments Coverage

Medical payments coverage helps pay for covered medical expenses for anyone injured while in your vehicle, regardless of who is at fault.

Uninsured/Underinsured Motorist Coverage

Uninsured/underinsured motorist coverage can help pay for damages and medical costs resulting froman accident caused by someone who has no insurance or inadequate insurance coverage.
We love to talk coverage and review policies. Our knowledgeable team will be happy to provide a proposal tailored to you. Send us a message below.
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