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Auto Insurance

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What is Auto Insurance?

Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.
 

There are basically six different types of coverages. Some may be required by law. Others are optional. They are:
 

  • Bodily injury liability - for injuries the policyholder causes to someone else.

  • Medical payments or Personal Injury Protection (PIP) - for treatment of injuries to the driver and passengers of the policyholder’s car.

  • Property damage liability - for damage the policyholder causes to someone else’s property.

  • Collision - for damage to the policyholder’s car from a collision.

  • Comprehensive - for damage to the policyholder’s car not involving a collision with another car (including damage from fire, explosions, earthquakes, floods, and riots), and theft.

  • Uninsured motorists coverage - for costs resulting from an accident involving a hit-and-run driver or a driver who does not have insurance.

An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements.Most auto policies are for six months or a year. Your insurance company should notify you by mail when it's time to renew the policy and to pay your premium.

Why Do You Need Auto Insurance?

It's really all about protecting yourself financially.

01

Accident or Stolen

If you're in an accident or your car is stolen, it costs money, often a lot of  money, to fix or replace it.

02

Injured

If you or any passengers are injured in an accident, medical costs can be extremely expensive.

03

Damage

If you or your car is responsible for damage or injury to others, you may be sued for much more than you're worth.

04

Financial Decision

Not only is having insurance a prudent financial decision, many states require you to have at least some coverage.

Questions To Ask Your Agent

Your Independent Agent is an advocate for finding auto insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:

  • How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)

  • What is the insurance company's level of service and ability to pay claims?

  • What discounts are available? (Ask about good driver, multiple policy and student discounts.)

  • What's the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)

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Our Insurance Companies

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PROTECT TODAY. PREPARE FOR TOMORROW.

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