Not all auto policies are alike.  Many companies are offering different coverage forms and different coverage options.  We will tailor coverage to your needs at a competitive premium without offering cut rate insurance.  It’s important to us that you understand what is available and choose coverages you can afford based on your specific needs.  Below is a brief outline of some of the coverages that are available. 

Basics of Auto Policy Coverages:

• Liability: Protects you from claims by others, resulting from an auto accident in which you are involved, including:
• Bodily Injury you cause to others
• Property Damage you cause to other people’s property
• Legal Defense for you in lawsuits brought by others
• Medical Payments: Pays you and/or passengers in your vehicle for medical expenses resulting from injuries to you in an accident regardless of who is at fault. Limitation: expenses must occur within three years after accident.
• Personal Injury Protection: Pays you and/or passengers in your vehicle for medical expenses, loss of income, and essential services needs, resulting from an accident, regardless of who is at fault.  Limitation: expenses must occur within three years after accident.
• Uninsured / Underinsured Motorist:  Pays you for medical expenses and auto repair costs you suffer from an accident caused by a driver with no insurance, or not enough insurance to pay all of your bills.
• Other Than Collision:  Pays you for replacing (or repairing) your auto, or auto glass after mishaps other than collisions.  Limitation: deductibles of varying amounts.
• Collision: Pays you for repairing (or replacing) your auto after an accident, regardless of who is at fault.  Limitation: deductibles of varying amounts.

Optional Endorsements and/or Coverage Features (not available with all companies):

• Loan/Lease Gap Coverage – pays “gap” in actual cash value of vehicle and loan value.  Restrictions may apply
• New Vehicle Replacement – pays for brand new car of same make and model with no depreciation, if your car is totaled, typically within the first 15 months or 15,000 miles
• Roadside Assistance / Towing & Labor – pays for towing, labor and service expenses as a result of vehicle disablement
• Rental Reimbursement – when comprehensive or collision coverage is activated, this coverage will provide reimbursement for a rental vehicle while your car is being repaired
• Diminishing Deductibles – deductible is reduced each year you remain claim free until reaching zero.  Deductible resets after claim.
• First At Fault Accident Forgiveness – waives surcharge for first at fault accident, provided certain requirements are met
• No-Deductible Windshield Repairs
• Auto Death Indemnity & Total Disability – provides coverage to your loved ones if a covered person dies in an auto accident or within 90 days as a result of an accident; pays $60 per week up to a maximum of 200 weeks if covered person becomes totally disabled as a result of the accident

*Due to company and form variations, please check your policies for complete explanation of coverages*