Personal Automobile

We strive to customize an auto insurance plan that meets your needs and the needs of other drivers such as: anti-theft device, multi-policy, driver training, and more.

Personal Auto Insurance policies include both liability and physical damage coverage.  The most common coverages include:

Bodily Injury and Property Damage Liability.  This coverage pays the damages for bodily injury or property damage for which the insured is legally responsible because of an automobile accident.

Medical Payments.  This coverage pays reasonable and necessary medical and funeral expenses incurred by an insured because of an accident.

Uninsured Motorist. This coverage pays for bodily injury caused by an uninsured motorist, a hit-and-run driver, or a driver whose insurer becomes insolvent.  Supplemental coverage for underinsured motorist coverage is also available.

Collision.  This coverage provides protection against the upset of your auto or non-owned auto or a collision with another vehicle or object.  Collision losses are paid regardless of fault.

Specified Cause of Loss.  This coverage provides protection only for certain losses, including fire, lightning, explosion, theft, windstorm, hail, earthquake, flood, mischief, vandalism, and the sinking, burning, collision or derailment of a conveyance transporting the insured vehicle.

Comprehensive.  This coverage provides protection against any loss or damage to a covered auto resulting from loss other than a collision or upset, or a loss specifically excluded.  Generally insures against fire, theft, vandalism, glass breakage and most other perils except collision.

Additional coverages may be added for:

Rental reimbursement.  If a loss to your covered auto occurs, this will reimburse your expenses incurred to rent a substitute.

Towing and labor.  This reimburses your costs of towing and labor each time a covered auto is disabled.

Click here for a list of frequently asked questions.