Car Insurance

There are many factors which can affect the type of coverage that is best for your personal or business needs. These factors can also affect the cost of your auto insurance. Our licensed and professional personnel are trained to offer you exceptional service and help you get the best cost for the coverage you need. Types of coverage include;
Auto Insurance – Liability – Bodily Injury/Property Damage. Covers damage that you may cause to other people’s property or bodies in an accident. Minimum limits allowed by the state to satisfy financial responsibility requirements are $15,000 per person (bodily injury), $30,000 per accident (bodily injury), $5,000 property damage.

Auto Insurance – Medical – Sold in increments of thousands. $1,000 (minimum) to $25,000. Covers medical expenses incurred by you and your passengers in an auto accident. Not meant for major medical.

Auto Insurance – Uninsured Motorists – Minimum coverage allowed is $15,000 per person/$30,000 per accident. It is usually sold in the same limits as liability. It protects you medically in the event of an accident with an uninsured motorist which results in injury to you. You can collect from your own company. This is particularly important in the case of a hit and run driver. You may claim on this coverage if you are injured by an uninsured motorist while driving, while riding a bicycle, or walking.

Auto Insurance – Comprehensive – Covers your own auto for fire, theft, vandalism, flood, wind damage, broken glass, or any property damage not involving a collision. Usually written with a deductible of $50 to $1,000.

Auto Insurance – Collision – Cover your auto involved in a collision (with another car or anything else (i.e. animals, building). Usually written with a deductible of $100 to $1000.

Auto Insurance – Rental Reimbursement – Written on auto policy to cover $15 per day for rental if your auto is in the shop as a result of a collision. Maximum on most policies is 15 days or $300.


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