Auto Insurance

auto-insurance-family

From bumper to bumper, your vehicle protects you from the many hazards on the road.

We all spend a lot of time in our cars while commuting to work, running errands around town, or taking family vacations. Make sure you and your family are safe while protecting those around you in the event of an accident. Ask about bundling your auto and home insurance.

Coverage

Property coverage pays for damage to, or theft of, your vehicle. If you are found responsible for an accident, this coverage pays for any costs needed to repair or replace the property.

  • Collision: Optional insurance that covers the cost of repairing or replacing your vehicle in the event it is damaged in an accident. Collisions could be another automobile or even a tree or guard rail.
  • Comprehensive: Optional insurance that covers expenses related to damage to your automobile from something other than a collision. This type of coverage protects you from theft, fire, storm damage, or a flood.
When you are found legally responsible, liability pays for the costs associated with injuries or property damage to the other person(s) involved in the accident.

Liability coverage includes:
  • Medical expenses
  • Legal fees
  • Loss of income
  • Pain and suffering
  • Funeral costs
  • Medical coverage pays for injuries, rehabilitation and sometimes funeral costs associated with an accident. Coverage includes ambulance transportation to the hospital, emergency room care, and the initial hospital stay. The passengers in your car are covered, as well as family members living with you if they are injured as pedestrians or when riding in another person's car.
    There are additional coverage options available:

    • Uninsured or underinsured motorist: Pays any expenses as a result of a crash caused by another driver who does not have an auto insurance policy or who does not have enough coverage to cover the damage. This protects you in the event the other driver is at fault and does not have adequate coverage.
    • Rental reimbursement: Covers the cost of a rental car if your car is in the shop for repairs due to a covered loss. This coverage may also kick in if your vehicle is being repaired after vandalism or hail.
    • Covered glass: Pays for full glass coverage without a deductible. Comprehensive coverage will cover the cost of a broken window, but you will be required to first pay your deductible. Full glass coverage will replace your window without any out-of-pocket expenses.
    • Towing and labor insurance: Towing and labor coverages and limits are different for each carrier that offers towing and labor coverage, but typically, it pays the cost of towing your car to a repair shop when it is unable to be driven and covers a specified amount of necessary labor charges at the place of the breakdown.
      Items that may be covered by towing coverage include:
      • Towing
      • Tire changing
      • Gas, oil, and water delivery
      • Battery services
      • Lockout services
    Many policy holders are often not aware of the various discounts they can receive through bundling home, auto and other types of policies. Insurance companies value your business and reward customers with bundling and other discounts such as:

    • Auto & home or home & RV
    • Safe driver (accident free)
    • Multi-car
    • Good student
    • Violation free
    • Anti-theft
    These discounts can help reduce your overall premium. Find out what discounts may be available for you and your current situation.
    A personal umbrella policy is a type of insurance that provides liability coverage over and above your automobile or homeowners policy. If your liability coverage isn't enough to pay for the damages of an accident you cause or a visitor's injuries on your property, a personal umbrella insurance policy kicks in right where your underlying policy's coverage left off.

    Each company we represent offers many different types of policies and coverage, so we can find a solution best suited for your needs. We understand that needs change and will help you update your coverage along the way. – Kate Magee

    This coverage is subject to your policy terms and conditions. Refer to your own auto insurance policy to determine when this coverage will take effect.


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