Personal Auto coverage

Not all auto policies are alike. Many companies are offering different coverage forms and different coverage options. We will tailor coverage to your needs at a competitive premium without offering cut rate insurance. It's important to us that you understand what is available and choose coverages you can afford based on your specific needs. Below is a brief outline of some of the coverages that are available.

Basics of Auto Policy Coverages:

• Liability: Protects you from claims by others, resulting from an auto accident in which you are involved, including:
• • Bodily Injury you cause to others
  • Property Damage you cause to other people's property
  • Legal Defense for you in lawsuits brought by others
• Medical Payments: Pays you and/or passengers in your vehicle for medical expenses resulting from injuries to you in an accident regardless of who is at fault. Limitation: expenses must occur within three years after accident.
• Personal Injury Protection: Pays you and/or passengers in your vehicle for medical expenses, loss of income, and essential services needs, resulting from an accident, regardless of who is at fault. Limitation: expenses must occur within three years after accident.
• Uninsured / Underinsured Motorist: Pays you for medical expenses and auto repair costs you suffer from an accident caused by a driver with no insurance, or not enough insurance to pay all of your bills.
• Other Than Collision: Pays you for replacing (or repairing) your auto, or auto glass after mishaps other than collisions. Limitation: deductibles of varying amounts.
• Collision: Pays you for repairing (or replacing) your auto after an accident, regardless of who is at fault. Limitation: deductibles of varying amounts.