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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
our online 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.
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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.
Auto Insurance Tips
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