AUTO INSURANCE

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Auto Insurance

Auto policies provide you with the opportunity to purchase a number of coverages related to the ownership or lease of an auto. The purchase of auto insurance should include discussion of the following coverages:

Liability
Includes defense cost as well as ultimate liability to others for bodily injury or property damage.

Uninsured or Underinsured Motorist
Coverage for you and your vehicle’s passengers for judgments or settlements received against other parties, which are not recoverable due to a lack insurance or insufficient limits.

Basic Reparations Benefits
A combination of coverages related to economic loss from medical expenses, loss of wages and other expenses related to an auto accident.

Medical
Coverage for the medical expenses of you and your passengers in the event of an accident.

Comprehensive
Coverage for damage to your car caused by an event other than a collision, such as, fire theft and vandalism.

Collision
Coverage for damage to your car from an accident.

Towing or Roadside Assistance
Coverage for expenses related to towing your vehicle or breakdown.

Rental Reimbursement
Coverage for renting a temporary substitute vehicle if your car is not operable after a collision or comprehensive related loss.

Auto insurance can be purchased by itself or it can be combined with your homeowners, condo unit owners or renters insurance. Many times other coverages such as umbrella liability or valuable articles coverage can also be packaged. There are discounts for packaging multiple coverages in one policy as well time savings related to having one bill and one renewal date.
*** Auto liability limits can be increased through the purchase of an umbrella liability policy which can provide excess liability limits in million dollar increments. The umbrella limits can provide excess liability limit over the personal liability limit of your auto, watercraft and homeowners, condo unit owners or renters insurance policies.