Personal Auto Insurance
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.
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.
-
Property Damage Liability - Covers accidental damage
to other people's property if caused by you in an automobile related accident.
-
Defense Costs - Covers court costs, legal expenses
and attorney's fees.
-
Collision - Covers you for damage to your car
in an accident, regardless of who was at fault.
-
Other Than Collision - Covers your car against
damage from fire, lightning, flood, theft, glass breakage, falling objects,
and other specified perils.
-
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.
-
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.