auto Insurance

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AUTO INSURANCE - on the road protection

Your driving is exposed to many potential losses-how to protect exposure, while implementing a robust, cost-effective policy that will safeguard you, auto and surroundings.

Auto insurance protects against potentially crippling financial losses and the sheer inconvenience of being without transportation. Remember, not all car insurance is created equal. Some auto insurance policies simply meet the legal requirements. In most states this means your auto insurance will cover the damage you cause to other cars in collisions.

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Bodily Injury Liability

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.

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✔︎ Solution - Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability. 

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Physical Damage Coverage

Your automobile can be a fairly costly investment-one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control. 

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✔︎ Solution - Physical damage coverage can protect your vehicle if its is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle. 

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Medical Payments Coverage

Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it’s not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health care plan. 

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✔︎ Solution - Medical payments coverage can help cover all reasonable medical expenses and funeral expenses of covered drivers and passengers after an accident, regardless of fault. In most states, its an optional additional to your car insurance policy. 

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Property Damage Coverage

When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else’s property. It can potentially be any damages property your auto caused. 

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✔︎ Solution - Verify that your policy covers you if your auto damages someone else’s car, house, light-pole or any other structure.

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Uninsured/Underinsured Motorist

What happens when the driver who hit you doesn’t have enough liability coverage? Or leaves the scene of the accident? 

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✔︎ Solution - Having Uninsured & Underinsured coverage in most cases will compensate you for the injuries and lost wages caused by Uninsured or Underinsured. 

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