Car Insurance

It’s important to have the right auto insurance. If you are involved in an accident, it can help pay for your car repairs. And if you damage someone else’s vehicle, liability insurance helps pay for their damages. However, auto insurance is complicated. You need to understand different coverage options and how they work together. That’s where we come in. We help people choose the right type of auto insurance for their needs and budget.

Depending on the policy you choose, your coverages will vary. Here are some of the most popular coverages:

• Collision insurance: If you are involved in a collision, this helps cover damage costs .
• Liability insurance: This helps insure you against any damage you cause others if you are at fault in a wreck. Most states,  require drivers to carry minimum amounts of liability insurance. There are two kinds of coverage included in liability insurance:
  • Property damage liability: This coverage is to help costs associated with damage to the other driver’s property (e.g., their car).
  • Bodily injury liability: Helps with medical bills and sometimes death benefits for the other people involved in the wreck.
• Medical payments (MedPay) insurance: If you are involved in an accident, this helps pay for the medical bills of you and your passengers
• Uninsured/underinsured motorist insurance: If someone  doesn’t have adequate auto insurance, specifically liability coverage, this coverage helps you cover the cost of damages caused by them.
• Comprehensive insurance: Damages that are not related to a wreck, such as theft, weather damage or vandalism is covered by this policy.

Be sure to ask our agency how we can tailor your auto coverage to your unique circumstances, there may be additional coverages that will be important for your risk profile.