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Auto Insurance Policies
Personal
auto insurance is a complicated area. Many insurers lead you to believe
that discussing this subject with an inexperienced telemarketer is
a quality substitute for having a personal agent. Don't buy into that
theory for a minute.
Through
our years of experience we can prove time and time again that there
is no substitute for having an agent to guide you. Price is part of
the issue, not the entire issue. We will give you prices from other
companies, AND we can SELL you those other companies. The bitterness
of poor coverage and service will linger long after the happiness in
discovering cheap coverage. Talk to us about the unique features of
our auto plans. Call or Email us
to find out the latest coverages available or complete our online quote
request form.
Generally speaking, most
Personal Auto policies provide the following basic coverages:
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Bodily
Injury Liability - Covers accidental injury or death of another
person if caused by you in an automobile related accident.
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Property
Damage Liability - Covers accidental damage to other people's
property if caused by you in an automobile related accident.
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Defense
Costs - Covers court costs, legal expenses and attorney's
fees.
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Collision -
Covers you for damage to your car in an accident, regardless of
who was at fault.
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Other
Than Collision - Covers your car against damage from fire,
lightning, flood, theft, glass breakage, falling objects, and
other specified perils.
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Personal
Injury Protection - Covers you and your family who sustain
bodily injury caused by an accident involving the use of an automobile,
for medical expenses, income continuation, essential services,
death benefit and funeral expenses.
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Uninsured
/ Underinsured Motorist - Covers injury suffered by you,
your family and anyone riding in your car against the uninsured
/ underinsured or hit-and-run driver.
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