Your vehicle is essential to your daily life. Auto insurance allows you to operate that vehicle safely and with confidence — it’s also required by law. Auto insurance provides financial protection for damages that may occur to your vehicles, property, passengers and pedestrians. Vehicle insurance can also provide financial reimbursement if your car is broken into or otherwise vandalized, damaged by fire or even stolen. We can help find the right policy for the vehicles and people in your life.
If you are at fault in a covered accident, Bodily Injury Liability covers accident-related medical expenses for the other party. Bodily Injury Liability has two parts: one per person and one per occurrence. Property Damage Liability covers the damage to the other party’s property.
There are two main types of physical damage coverage: comprehensive and collision. Comprehensive covers damage to your vehicle caused by fire, theft, glass breakage, vandalism, falling objects and contact with an animal. This coverage is subject to a deductible. Collision covers damage to your vehicle resulting from collision with another vehicle or object. This coverage is also subject to a deductible. A deductible is what you pay out of pocket before the insurance pays. Make sure this deductible is financially affordable with your lifestyle.
Just your liability, except this covers you in the event that another party is legally responsible for your Bodily Injury and/or Property Damage and either has no insurance or your damages exceed the limits of their insurance policy.
We recommend that you insure yourself at the same limits of your Bodily Injury liability. Uninsured Property Damage covers damage to your vehicle — usually up to a set limit — and includes a deductible. This coverage is not available if you have collision coverage on your vehicle.
Helps pay for medical costs regardless of who is at fault in the accident. This coverage is provided to you, your family and passengers.
Provides assistance for flat tires, battery jumps, ditch extraction, lockout service and towing.
Provides a replacement vehicle if your vehicle is not drivable due to a covered loss. This coverage is available in several ‘per day’ limits.