Auto Insurance

Auto insurance includes three broad coverage categories designed to protect you from financial loss if you have an accident:

Property coverage pays for damage to or theft of your car.

Liability coverage pays for your legal responsibility to others for bodily injury or property damage.

Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

Within the three broad coverage categories listed above, an auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements.

  1. Liability - May include claims for medical expenses, lost wages and pain and suffering, damage to other vehicles, damage to others property such as buildings, walls, fences and equipment.
  2. Medical payments - The Medical Payments portion of an auto insurance policy covers you, your family members and any other passengers in your car for any necessary medical and dental services due to bodily injury caused by an auto accident.
  3. Uninsured motorist/Underinsured motorist - Underinsured Motorists Coverage helps when the other driver is found legally responsible for an accident but has insufficient car insurance coverage to cover the expenses for injuries to you, your family members or passengers.
  4. Damage to your auto - Collision coverage pays for damage to your vehicle caused by any accidental impact with another vehicle or object
  5. Personal injury protection (No Fault) - Personal Injury Protection claims are paid regardless of "fault," or legal liability. This means that you, your family and the other passengers in your vehicle are covered under your policy regardless of who is responsible for the accident.
  6. Additional, optional coverages - A variety of optional coverages are available, including towing and labor, extended transportation expenses.

Remember that in order for your insurance coverage to take effect, all drivers and cars must be specifically listed on your policy. You should also refer to your automobile contract for the specific terms and conditions of the coverage that you have purchased. If you have any further questions you should speak directly with our agent.