Auto Insurance

Coverage That Pays Others

  • Property Damage

    Liability coverage pays for damage, due to your negligence, that you do to others. Property damage liability pays for property you damaged due to an accident.

  • Bodily Injury

    Liability coverage pays for damage, due to your negligence, that you do to others. Bodily Injury liability pays for the medical bills related to injury, and even related to death.

Coverage That Pays You

  • Personal Injury Protection (aka PIP, No Fault, Additional PIP)

    Pay close attention to this coverage because it pays your medical expenses, work loss and rehabilitation expenses resulting from an injury in on, getting in or getting out of an automobile. Depending on where you live the details of this coverage will vary.

  • Uninsured Motorist (UM) & Supplemental Underinsured Motorist (SUM)

    Many drivers either have no insurance or low limits for Bodily Injury liability to others. If you are in an accident with a driver in one of these situations you may be able to collect under your own policy. Depending on where you live the details of this coverage will vary.

  • Damage to Your Vehicle

    Better known as Comprehensive and Collision coverage. This coverage will pay for damage to your vehicle on a depreciated basis, subject to a deductible. Deductibles can be waived for windshield damage. Towing and coverage for a Rental Car can be added.

Discounts

  • These Can Vary by Company, but Include:

    • Airbags
    • Alarm systems
    • Anti lock Brakes
    • Good Student
    • Multiple Policies with same Company(Account Credit)
    • Life Policy with same Company
    • Defensive Driving Course completion
    • Daytime running lights
    • Hybrid Car
    • Multiple cars on one policy (Multi Car discount)