Personal Auto Policies
Personal auto insurance is a complicated area. Many insurance companies 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. We are experienced professionals who are trained to give you the best possible coverage for the best price.
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 can be a major focus for you, but we are here to make sure you do not lose any of your family’s assets that you have worked hard to build. The bitterness of poor coverage and service will linger long after the happiness in discovering cheap coverage.
Price is part of the issue, but not the entire issue. We can give you prices from multiple companies, because we represent more than one company. As Independent Agents, we have choices to match our client’s needs with an insurance company than has appropriate coverages and prices.
Generally speaking, most Personal Auto policies provide the following basic coverages
- Bodily Injury Liability - Covers accidental injury or death of another person if caused by your negligence in an automobile related accident.
- Property Damage Liability - Covers accidental damage to other people's property if caused by your negligence in an automobile related accident.
- Collision - Covers you for damage to your car in an accident involving another vehicle or a stationary object, regardless of who was at fault.
- Defense Costs - Covers court costs, legal expenses and attorney's fees.
- Other Than Collision - Covers your car against damage from fire, lightning, flood, theft, glass breakage, falling objects, and many other perils.
- Medical Payments - Covers you and your family in any car, and anyone riding in your car for medical expenses resulting from an accident.
- Uninsured / Underinsured Motorist - Covers injury suffered by you, your family and anyone riding in your car against the uninsured / underinsured or injuries from a hit-and-run driver.
Talk to us about the unique features of our auto plans. CALL or EMAIL us to find out the latest coverages available.
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