Auto Insurance
Personal Auto Insurance provides coverage for any physical damage and/or bodily injuries resulting from an accident whether the accident is cause by you or another driver.
We will help you select the appropriate amount of coverage, to avoid being personally sued or avoid any out-of-pocket expense.
We will customize a policy for you policy to avoid any financial losses due to an accident.
We offer the following types of Auto Insurance:
Liability Coverage
Liability insurance provides financial protection in the event of a car accident and it is determined the accident is a result of the insured’s actions.
Liability insurance will cover the cost of repairing any property damaged by an accident as well as the medical bills from resulting injuries.
Most states have a minimum requirement for liability insurance coverage.
Uninsured & Underinsured Motorist Coverage
Uninsured motorist coverage protects you if you are in an accident with an at-fault driver who does not have liability insurance. Although you are required to carry insurance, there are many uninsured drivers. So it is very important to have this coverage on your auto policy.
Underinsured motorist coverage protects you from an at-fault driver whose liability limits are too low to cover damage or medical expenses. The other driver’s insurance will pay up to the policy limit, and then your underinsured motorist coverage will cover the excess up to your policy limit.
Collision Insurance Coverage
Will help pay for repairs to your car, as well as a replacement cost in the event your car is totaled after:
• Crashing into another car.
• Crashing into an object
Comprehensive Insurance Coverage
Will help pay for repairs to your car, or replacement of your car after it’s been damaged by events that
aren’t accident-related.
Typically, with comprehensive coverage you’ll be covered for damage from the following:
Falling objects Hitting or being hit by an animal including birds, cows, deer and others.
Natural disasters Note: Most Insurance companies normally sell collision and comprehensive coverages together.
You may find these coverages packaged together as “Physical Damage Coverage.”
When you’re shopping around, remember:
Physical damage coverage refers to coverage that pays your own costs.
Liability coverage refers to coverage that pays others’ costs.
Collector Car Coverage
Antique or classic car owners should pay special attention to the following issues when purchasing insurance:
Vehicle Usage: Most collectible cars are rarely on the road. The annual mileage for these vehicles usually ranges from 1,000 to 5,000 miles, and the policy should reflect that limited use.
Vehicle Storage: Antique and classic car insurers traditionally insist that these types of cars be stored in a fully enclosed, locked garage when not in use.
Vehicle Valuation: Agreed-value policies are preferable to stated value policies. Agreed value policies guarantee that, in the event of a total loss, the insurer will pay the full amount listed on the policy, minus any deductible.
Stated value policies, while rarely sold, are often open to interpretation about the value of the vehicle in the event of a claim.
Vehicle Condition: Insurers prefer to insure cars that are in excellent condition. Therefore, antique and classic car insurers may decline to cover cars that appear to be weathered or that have sustained prior damage. During a restoration, coverage can usually be obtained.
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Solution For Your Insurance Needs.
