Auto Insurance
When you buy an auto insurance policy, you are buying a package of individual coverages. Each coverage protects you against different types of losses. Once you understand the various coverages, you can decide which ones to include in your personal insurance package. You can also determine the limits of coverage you will need. The following are some common coverages found in an auto policy. NOTE - Your policy may not contain all of these coverages.

Bodily Injury (BI) Liability Coverage pays, up to the coverage limits, for damages due to injury or death of others in a vehicle accident for which you or the operator of your vehicle are legally responsible. It also pays your legal defense costs. In most states this coverage is mandatory.

Property Damage (PD) Liability Coverage pays, up to the coverage limits, for another individual's vehicle or property that has been damaged in an accident for which you or the operator of your vehicle is legally responsible. In most states this coverage is also mandatory.

Medical Payments Coverage pays, up to the coverage limits, for reasonable and necessary doctor, hospital and funeral expenses for you and your passengers injured or killed in an accident, regardless of who is at fault. Payments are usually limited to one to three years after the accident. This coverage is optional in most states without no-fault insurance systems.

Uninsured/Underinsured Motorists (UM/UIM) Coverage pays up to the coverage limits for pain and suffering which is not covered by medical, disability and PIP. Underinsured motorist coverage pays for bodily injury to you or your family resulting from the negligence of someone whose liability insurance limits are insufficient. The definition of an underinsured motorist varies from state to state.

Collision Coverage pays, up to the coverage limits, for damage to your vehicle or a vehicle you are operating caused by a collision or rollover. This coverage is usually required if you have a vehicle loan.

Comprehensive Physical Damage Coverage pays, up to the coverage limits, for damage to your vehicle or any vehicle in your custody resulting from theft, fire, vandalism, flooding, hail or other perils (but not damage by collision or overturning). It is usually required if you have a vehicle loan.

Rental Reimbursement pays up to a specified amount for rental vehicle charges while your vehicle is being repaired for damage covered under your policy. If you prefer not to incur the cost of renting a vehicle yourself and cannot be without a vehicle while yours is being repaired, you might consider this coverage.

Towing and Labor covers some costs incurred for services rendered at the place of breakdown or for towing to a repair shop. It covers the delivery of gas, oil or a battery, but not the cost of these items. If you lock the keys in the vehicle or need a tire changed, this may also be covered. These services are often included in auto club memberships, which can result in unnecessary duplicate coverage.

Supplemental Auto Insurance Coverage's

Some of our carriers offer additional supplemental coverage's as either part of their auto policy or as an endorsement for an additional premium. Supplemental coverage's are designed to taylor your auto policy to your specific needs. These supplemental coverage's are not available on all auto policies and vary by carrier. 

Some examples are:

~Pet Coverage-If your pet is injured in a covered automobile accident the insurance carrier will pick up a portion of the vet bill.

~Personal Property Coverage- for personal items stolen from your vehicle.

~Lock Replacement-Electronic lock and key replacement with no deductible.

~Diminishing Collision Deductible-(varies by company) reduces your collision deductible in increments as long as you have not had at fault accidents.

~Emergency Expenses/Trip Interruption- pays for emergency transportation, meals and lodging in the event of an accident away from home.

~Non-Owned Trailer coverage-covers trailers you may rent or borrow for moving or hauling items.

~New Vehicle Replacement- pays the full verifiable purchase price for their newly titled vehicles in the event of a total loss.

~Loan/Lease Gap-pays total amount due on loans or leases for your  vehicle in the event of a total loss usually within the first 12 to 15  months of ownership.

~No Drop Promise-Your policy may not be non-renewed because of the number of traffic convictions you may have during the policy period.