Personal Auto Insurance

Auto insurance coverage can be complicated. We can help you through the choices and secure the right coverage for your needs.  Certain risk coverage is required by most states and certain supplementary coverage required by your auto loan financing company.


What are the coverages?


Bodily injury provides protection if you injure someone while driving your car. It also covers your legal fees if someone files a lawsuit against you as a result of an accident.  Should you suffer a serious accident, you want enough insurance to cover a judgment against you in a lawsuit, without jeopardizing your personal assets.


Medical payments, no-fault or personal injury pays for the medical expenses of the driver and any passengers in your car.


Uninsured motorist pays for your injuries caused by an uninsured driver. In some states, this coverage will reimburse you for damage to your vehicle.


Comprehensive coverage pays for losses resulting from incidents other than collision. For example, comprehensive insurance covers damage to your car if it is stolen or damaged in any way while not under your control. This insurance premium can be kept low by having a higher deductible.


Collision coverage pays for damage to your car when your car hits, or is hit by, another vehicle or other object.


Property damage protects you if your car damages someone else’s property.


In addition to these basic coverages, some worthwhile additional coverage may be right for you:


  • Emergency Road Service
  • Rental Reimbursement
  • Mechanical Breakdown Insurance

It may seem like there’s a lot to understand about auto insurance coverage. If you have any questions about auto coverages or anything else regarding your policy, contact our licensed insurance agents.