Auto Insurance is a contract between you and your Insurance Company. It can provide coverage for your owned vehicles as well as legal responsibilities you may incur as a result of injury or property damage you or members of your family may cause to others. In exchange for your premium payment, your Insurance Company agrees to pay losses as defined in your policy.
Required in most states, Liability insurance pays for covered damages if you cause an accident, damage someone’s property, or injure someone. Liability insurance can also provide legal defense if you’re sued as a result of a covered loss.
Collision Coverage pays for covered damage to your vehicle if you’re in an accident. This coverage is usually required if you have a loan or lease on your vehicle.
Comprehensive Coverage pays for covered damage to your vehicle resulting from something other than a Collision. (Examples might include: theft, fire, vandalism, windstorm, or impact with an animal.) This coverage is usually required if you have a loan or lease on your vehicle.
This coverage provides immediate medical payments to you, your passengers, and other parties, regardless of fault. In some states Medical Payments are covered under Personal Injury Protection (PIP).
UM and UIM provides coverage for you, your passengers, and your vehicle for injury or damage caused by another party who carries insufficient or no liability insurance.
Can include towing, labor, temporary replacement vehicles, and loan/lease ‘gap’ coverages.
While not all coverages are required by most states, your Insurance Agent can help you determine what coverages, limits, and deductibles are most appropriate for your individual situation.
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