Explore Customized Automobile Insurance Solutions
In today’s world, driving has become a necessity for many of us. Whether it’s commuting to work, running errands, or taking road trips, we depend on our vehicles daily. With this freedom, however, comes a responsibility to ensure we are protected against the many risks that come with owning and operating an automobile. From accidents to theft and beyond, having the right coverage can give you peace of mind and safeguard you, your passengers, and your car. Let us help you navigate the world of auto insurance to find the perfect policy for your needs.
Coverage Options
Protection For Your Vehicle*
* These coverage options represent the most common but it is not an all-inclusive list. These flip cards are for educational purposes only. For all coverage options or to discuss your specific coverage needs, please contact our licensed agents.
** All coverages are subject to your individual policy. If you have questions regarding your coverage, please contact your licensed agent.
Collision Coverage
Collision coverage helps pay for repairs or replacement of your vehicle if it’s damaged in an accident, regardless of who is at fault. This coverage is essential if you’re involved in a collision with another car or object, such as a tree or guardrail.
Comprehensive Coverage
Comprehensive coverage protects your vehicle from non-collision incidents like theft, vandalism, fire, animal collisions, or natural disasters. It helps pay for repairs or replacements when your car is damaged by events beyond your control such as falling trees or storm damage.
Personal Injury Protection
Personal injury protection covers medical expenses and, in some cases, lost wages for you and your passengers after an accident, regardless of who is at fault.
Bodily Injury Liability
Bodily injury liability provides coverage if you’re responsible for an accident that causes injuries to others. It helps pay for the medical expenses, lost wages, and pain and suffering of the injured party. This coverage also typically includes legal coverage in the event you are sued as a result of the accident.
Underinsured Motorist Coverage
Underinsured motorist coverage protects you if you’re involved in an accident with an at fault driver who doesn’t have enough insurance to cover your medical bills. It helps cover the gap between the at-fault driver’s insurance limits and what is required to fully reimburse you.
Uninsured Motorist Coverage
Uninsured motorist coverage kicks in if you’re involved in an accident with an at fault driver who doesn’t carry any insurance at all. This coverage helps pay for medical billsand other expenses that would otherwise go unpaid due to the at-fault driver’s lack of insurance.
Property Damage Liability
Property damage liability covers the cost of repairs or replacement if you damage someone else’s property in an accident, such as another car, a fence, or a building. It’s an essential form of coverage for protecting others’ assets when you’re at fault.
GAP Insurance
GAP Insurance (Guaranteed Asset Protection) covers the difference between what you owe on your car loan or lease and what your insurance will pay if your vehicle is totaled in an accident or stolen. Without GAP insurance, you could end up owing more than your car is worth.
