Personal Auto
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.
Fill out the form on the bottom of a page for a free quote, or give us a call at 800-916-2220
Bodily Injury
Liability Coverage
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.
Classic Auto
If damage or loss occurs to your collector vehicle, you'll want excellent service and claims handled in a timely manner by a Specialty Insurer. After all, your collector vehicle is an investment and a standard policy for a classic car could result in overpaying.
Collision Coverage
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
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.
Medical Payments Coverage
Property Damage Liability Coverage
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 mandatory.
Rental Reimbursement
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
Towing and Labor covers some costs incurred for services rendered if your vehicle breaks down. It may cover delivery of gas, oil, or a battery, but not the cost of these items. If you lock the keys in your vehicle or need a tire changed, this may also be covered.
Uninsured -
Underinsured Motorists
Uninsured/Underinsured Motorists Coverage pays up to policy limits for pain & suffering not covered by medical, disability, and PIP. Underinsured motorists pays for bodily injury to you or your family resulting from negligence if someone's liability limits are inadequate.