Automobile Insurance
Primary Family Vehicles / Young Driver Vehicles / Farm Vehicles /
Motorcycles / Watercraft / Recreation Vehicles
]
img

AUTOMOBILE INSURANCE

When you buy an auto insurance policy, you are buying a package of individual coverages. Each coverage protects you against different types of losses. Once you understand the various coverages, you can decide which ones to include in your personal insurance package. You can also determine the limits of coverage you will need. The following are some common coverages found in an auto policy. NOTE - Your policy may not contain all of these coverages.

imgDo I really need auto insurance?

Auto insurance is designed to protect you financially. If you are responsible for injuries, you may be held liable for the injured person's vehicle repairs, medical expenses, therapy and loss of wages.
All states require you to be financially responsible when driving a car. Depending on the state, you may be legally required to have auto insurance.

imgProperty Damage (PD) Liability

Coverage pays up to the coverage limits, for another individual’s vehicle or property that has been damaged in an accident for which you or the operator of your vehicle is legally responsible. In most states this coverage is also mandatory.

imgMedical Payments

Coverage pays up to the coverage limits, for reasonable and necessary doctor, hospital and funeral expenses for you and your passengers injured or killed in an accident, regardless of who is at fault. Payments are usually limited to one to three years after the accident. This coverage is optional in most states without no-fault insurance systems.

imgUninsured/Underinsured Motorists

(UM/UIM) coverage pays up to the coverage limits for pain and suffering which is not covered by medical, disability and PIP. Underinsured motorist coverage pays for bodily injury to you or your family resulting from the negligence of someone whose liability insurance limits are insufficient. The definition of an underinsured motorist varies from state to state.

imgCollision

Coverage pays up to the coverage limits, for damage to your vehicle or a vehicle you are operating caused by a collision or rollover. This coverage is usually required if you have a vehicle loan.

imgComprehensive Physical Damage

Coverage pays up to the coverage limits, for damage to your vehicle or any vehicle in your custody resulting from theft, fire, vandalism, flooding, hail or other perils (but not damage by collision or overturning). It is usually required if you have a vehicle loan.

imgRental Reimbursement

Pays up to a specified amount for rental vehicle charges while your vehicle is being repaired for damage covered under your policy. If you prefer not to incur the cost of renting a vehicle yourself and cannot be without a vehicle while yours is being repaired, you might consider this coverage.

imgTowing and Labor

Covers some costs incurred for services rendered at the place of breakdown or for towing to a repair shop. It covers the delivery of gas, oil or a battery, but not the cost of these items. If you lock the keys in the vehicle or need a tire changed, this may also be covered. These services are often included in auto club memberships, which can result in unnecessary duplicate coverage.



We do our best to provide you with coverage recommendations based on your personal needs. This ensures that you have best possible coverage in the event of a claim. If you have questions regarding your current coverage, just contact us and we will be happy to provide a detailed insurance review.

Be sure to ask us about discounts for multiple policies including: auto insurance, homeowners insurance, and farm and ranch insurance.