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Auto Insurance
Get
a quote
At
our agency, we'll personally review your coverage and help you get the
most amount of coverage for the least amount of money!
Are you:
-
getting all the discounts you are eligible
for?
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getting the personal service you deserve?
-
satisfied with your agent?
We can
offer you a wide variety
of coverage options!
Auto Policy
Definitions
Bodily Injury (BI) and Property Damage
(PD)
Covers your liability for injuries you
cause to other people and property damage for which you are at fault.
This coverage usually is expressed in a "split number" such as
100/300/100.
The first number is the limit (in
thousands of dollars) that your policy will pay for bodily injury per
person in the event of an accident. The second number is
the total limit your policy will pay for bodily injury to two or more
people per accident.
The third number is the limit that your policy will pay
for property damage per accident.
Many people are underinsured today because of the rising costs of
vehicles (making it easy to exceed your
Property Damage limits) and the high personal injury awards in lawsuits.
Please consult us to make sure you have
adequate converge- we'll be happy to help you!
Uninsured & Underinsured Motorist
Covers you when you are injured by someone who is not insured or has inadequate
limits of coverage. This is often an overlooked coverage, and we would
be happy to help you understand this better!
Collision
This covers the cost of replacing or
repairing your vehicle in the event of an accident
in which you were at fault. The premium varies depending upon
your deductible limits.
We would be happy to help you decide
which deductible is right for you!
Comprehensive
This covers repairing or replacing your
vehicle in non-accident situations, such as theft and vandalism.
Hail and other "acts of God" are covered,
as defined by your policy. This also has a deductible, so please consult
with us about which deductible meets your needs.
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