PUT OUR EXPERIENCE TO WORK FOR YOU
We don't expect you to be an expert on our industry, but we want you to feel confident you're covered. We work on a daily basis with claims, training on coverage enhancements, the changing price of repairs to automobiles and property damaged by accidents, and more. As independent agents, we work for you.
Here are some brief explanations of the types of coverage your current policy may or may not have. Our agents are experts in how all these options work together, and they'll find the right package to keep you covered.
Collision
If you lease or have an auto loan, this coverage may be required by your lender. If your vehicle is damaged in an accident, this coverage pays the cost of repairing or replacing it. Here is where you also would need to consider your out-of-pocket expenses, called your “deductible.”
Comprehensive
If your vehicle is damaged as a result of an incident other than a “collision,” this optional coverage will pay the costs. Damage to your vehicle as a result of a storm, flood, theft, or even a fire are examples of the types of events this option could cover. The damages listed are not an exhaustive list; your agent is an expert in the types of events that are covered.
Uninsured/Underinsured Motorist
Once the dusts settles in an accident and you know everyone’s not hurt, your next thought might be, “I hope the driver at fault has insurance.” Uninsured motorist coverage protects you against an at-fault driver who doesn’t have liability insurance. Underinsured motorist coverage covers you when an at-fault driver has liability insurance but her coverage doesn’t cover all of the cost for damages or medical expenses.
Bodily Injury (liability)
This coverage applies to injuries that you, or another insured driver on your policy, causes to someone else.
In its simplest form, it pays the costs associated with injuries that happen as a result of a car accident you are legally responsible for. But you need to think of other costs that may arise. If you are involved in a serious accident, you may be sued for a large sum of money, so this is where it’s important to understand the coverage limits for liability. Many states require a minimum amount of liability insurance; your agent will help you understand what coverage limit is best for you.
Property Damage
If you cause an accident that damages another person’s property, this part of your coverage helps pay those costs. Damages could be to another persons’ car, items on their property like a fence, a guardrail, a tree—in an accident anything could happen. It’s best to be prepared.
Medical Payments
Your fault or someone else’s, if you’re in an accident where you or someone else is hurt, this part of your policy pays for initial medical expenses there were a result of a covered accident. It also could cover you if you’re injured as a passenger in someone else’s car or even as a pedestrian. Your agent has extensive insurance knowledge and they’ll help break this down so you know how you’re covered.
