Auto Coverage
Bodily injury – covers you in an accident where you are at fault and someone else is injured in the accident. People can sue for lost wages and all sorts of things related to an injury. If you or someone insured under your policy is liable for damages claimed by one or more people you have injured with your automobile; your insurance company will pay for legal fees and damages up to the policy limits you choose. If those people’s injuries are more than your policy limit, they can go after any equity in your home, sue you for future wages, savings accounts, etc. Choosing the right amount of coverage and knowing how your other insurance policies interact with your auto policy is critical when deciding how much coverage you need. Please consult with one of our team to Assess your coverage needs.
Property damage – This covers you for damages you can do to someone’s property with your car. Damage to things like poles, walls, or other vehicles would be covered up to the policy limits under this coverage. (Hint: You can usually get $100,000 or more in coverage for the same price or usually around 1.00 more per year) Many people we see only carry 25,000 or50, 000)
Uninsured/underinsured – covers you when you are the victim and the other person owes you/they are liable, but they don’t have enough or any insurance. An example would include a hit & run. For underinsured, we make up the difference between the person who hit you coverage and the policy coverage you chose for yourself. Please let us help you Assess your coverage needs.
Collision – this is damage to your car when you are at fault in an accident. We pay everything after the deductible up to the local value of your car/blue book value. Example you are driving and have an accident that is your fault. Any damage from your car as a result of that accident would come from this coverage. (Hint, if you can afford to pay a larger deductible you can save significant dollars by choosing a higher deductible)
Comprehensive – This coverage is intended to pay for damages to your car in the event of a fire, theft, vandalism, windstorm, flood, deer, or anything other than a collision. (Hint: You can usually choose a lower deductible for this coverage without significantly impacting your premium)
Towing/labor – when you are broke down, on the side of the road, or ran out of gas; we can reimburse you up to the policy limits you choose.
Rental – helps pay for a replacement vehicle due to a covered loss up to your policy limit you choose.
Personal Injury protection / medical coverage: This coverage varies by state. It is usually a state mandated coverage that covers you and other people insured on your policy no matter who is at fault. In some states this will cover only medical expenses and others can additionally cover lost wages. Sometimes it can even cover you if you are a pedestrian walking and get hit by a car. This is coverage where you need to consider your other insurance policies in force when deciding how much protection you will need. Please let us help you Assess your coverage needs.