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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 insurance quote 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.
-
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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