Personal Auto Insurance

Auto insurance is a contract between you and the insurance company that protects you financially in the event of an accident or theft. Auto insurance is a state requirement if you own and operate a vehicle because of the liability for any potential damage you could cause with your vehicle. In exchange for your paying a premium, the insurance company agrees to pay your losses as outlined in your policy. Auto insurance provides coverage for:

• Property – such as damage to or theft of your car
• Liability – your legal responsibility to others for bodily injury or property damage
• Medical – the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses
• Uninsured/Underinsured Motorist - Uninsured motorist coverage protects you if you’re in an accident with an at-fault driver who doesn’t carry liability insurance. Underinsured motorist coverage steps in when you’re in an accident with an at-fault driver whose liability limits are too low to cover the damage or medical expenses.

You can also add to your policy:

• Comprehensive -provides coverage against damage caused by an incident other than collision such as fire, theft, vandalism, windshield, flood, hail, falling rocks or trees. Subject to your deductible.
• Collison - reimburses you for the damage to your car that occurs as a result of a collision with another vehicle or other object. Subject to your deductible.
• Roadside Assistance - helps drivers with resources like towing, battery service, flat tire service, fuel delivery, lockout service and extrication when their vehicle breaks down.
• Rental Reimbursement - this type of coverage helps the policy holder pay for transportation expenses like a rental car while their vehicle is being repaired for a covered insurance claim.