Why Is Auto Insurance Important?

Being in an accident, even a small accident can be a harrowing, embarrassing and challenging event. It is our goal to provide you with the right auto insurance product to put your mind to ease, while still ensuring the plan is financially manageable for you. Our knowledge and wide array of products enable us to make sure each client has the proper coverages for their situation. Most importantly, our quick response helps you save money and get back on the road in the shortest amount of time possible.

How Can We Help?

Let us know how we can help you solve your auto insurance problems and we can provide you with a solution that addresses your needs and provides you with affordable and comprehensive coverages for your automobiles and lifestyle.

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Coverage Terms

Collision Coverage

Collision coverage insures you against damage to your vehicle caused during an accident. You can purchase either collision or comprehensive coverages, or both, for each vehicle you own; if you have an auto loan you may be required to purchase both.*

Comprehensive Coverage

Comprehensive (other than collision) coverage insures you against all other physical damage to your car caused by such events as fire, theft, flood, and vandalism. You can purchase either collision or comprehensive coverages, or both, for each vehicle you own; if you have an auto loan you may be required to purchase both.*

Liability Coverage

Liability coverage pays for injuries you cause to other people and damage you cause to other people’s property when you are at fault in an automobile accident.

Medical Payments Coverage

Medical payments coverage pays medical expenses (up to a specified dollar limit) for you and passengers of your car who are injured in an automobile accident, no matter who is at fault. If you and your passengers have health insurance, you may not need this coverage.

Personal Injury Protection

Some states require Personal Injury Protection, which is also known as No-Fault coverage. This coverage pays for things like medical and rehabilitative expenses, replacement services, and funeral expenses. It also pays for loss of income if you are injured in an auto accident and are unable to work.

Uninsured/Underinsured Motorist

This coverage pays if you are injured by a person who is completely uninsured or doesn’t have enough liability Insurance to cover your injuries. It also covers you if you are in an accident with a hit-and-run driver.

Optional Coverages

Optional or special coverage includes extras such as towing, rental reimbursement, and roadside assistance. None of these coverages are required.

*Collision and comprehensive (other than collision) coverage usually includes a deductible, which can range from $100 to $1,000. If your car is damaged, the Insurance company pays only for the damage in excess of the deductible you selected. The higher the deductible, the lower the premium.