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Auto Insurance
There are many types of coverage available. Our insurance experts will
find the right policy for your specific needs.
Do I need auto insurance?
State laws typically say that as a driver, you either must have insurance,
or be able to provide evidence that you have the financial resources
to pay a judgement against you. If you should cause injury or damage
to another person, an insurance policy is the easiest way to document
that you can pay damages if you must.
You also need auto insurance to protect yourself financially. If you
or anyone for whom you're responsible seriously injures another person,
you can be held liable for the injured person's medical expenses, rehabilitative
therapy, and long term nursing care, as well as for his or her lost
earnings.
Bodily Injury and Property Damage
Liability
Bodily injury liability coverage pays when you are held legally liable
for injury or property damage caused by your vehicle. Legal fees and
court costs are also covered. This coverage helps protect you from losing
your home, your savings and possibly your income in the event you become
involved in a serious accident.
Collision
Pays for loss or damage to your vehicle caused by collision with another
vehicle or object. Payments are made based upon actual cash value of
the amount of each loss above the deductible amount.
Comprehensive
Pays for loss or damage to your vehicle caused by fire, theft, vandalism,
hail, windstorms, riots, falling objects, floods, etc. Payments are
made based upon actual cash value of the amount of each loss above the
deductible amount.
Uninsured Motorists
This pays you and passengers in the insured vehicle monetary damages
to recover from bodily injury or death caused by an uninsured or hit-and-run
motorist.
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