Auto Insurance

Auto insurance is a contract between you and an insurer, where you agree to pay premiums in exchange for protection from financial losses due to accidents or damage to your vehicle. The level of coverage you receive depends on the policy you choose, with varying requirements by state. The most common types of coverage are liability and full coverage. Let's explore both options to help you decide which is right for you.

Liability insurance is the minimum coverage required in many states. It helps cover the costs of damage or injuries to others when you're at fault in an accident. However, it doesn't cover damage to your own vehicle or your injuries. Liability insurance is split into two categories: bodily injury liability, which covers the other person's medical costs if you're responsible for an accident, and property damage liability, which covers damage to other vehicles or property caused by your actions.

Comprehensive (full coverage) insurance offers a higher level of protection. It includes liability coverage as well as collision and comprehensive protections. Collision insurance helps cover damage to your vehicle when it's involved in a collision, regardless of fault. Comprehensive insurance goes beyond collisions, covering incidents like vandalism, theft, weather damage, or accidents involving animals. This is the most extensive coverage option for safeguarding your car and yourself.

For optimal protection, full coverage or comprehensive insurance is recommended. This ensures both your vehicle and yourself are covered in any accident. If your vehicle is financed, full coverage is usually required by the lender. For older, paid-off cars, liability insurance may be sufficient to cover damage to other vehicles or property, but not your own.

It's crucial to regularly assess your insurance coverage to avoid the unpleasant surprise of being underinsured after an accident. For example, you may be able to choose a lower deductible for a windshield replacement, saving you money compared to what you'd pay following an accident. Let us help guide you in selecting the best coverage options for your needs. We offer:

• Liability: Protects against property damage and injuries to others when you are responsible for the accident.
• Uninsured Motorist: Covers your vehicle's damage and medical expenses if the at-fault driver has no insurance or leaves the scene.
• Collision: Helps pay for repairs to your car if it’s damaged in a collision, regardless of fault.
• Comprehensive: Covers repairs or replacement of your vehicle if it’s damaged by non-collision incidents such as theft, vandalism, storms, or falling objects.

Enhance your protection with the following options for you, your family, and your vehicle: 

• Medical payments
• Rental reimbursement
• Roadside assistance
• Custom equipment coverage