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What We Insure

Auto Insurance

Bodily Injury Liability:

Covers other people's bodily injuries or death for which you are responsible.

Property Damage Liability:

Covers damages to someone else's property for which you are responsible.

Uninsured/Underinsured Motorist Bodily Injury:

Covers you, the insured members of your household and your passengers for injuries, damage or death caused by the negligence of a person with insufficient insurance.

Uninsured/Underinsured Property Damage:

Covers your auto when you sustain property damage caused by the negligence of another operator that does not possess insurance.

Personal Injury Protection:

Covers within the specified limits, the medical, hospital and funeral expenses of the insured, others in his vehicles and pedestrians struck by him.

Medical Payments:

Covers medical expenses to you and your passengers injured in an accident.

Comprehensive:

Covers your vehicle you may be driving for losses resulting from incidents other than collision.
Deductible Options:  $100, $250, $500, and $1,000

Collision:

Covers damage to your car when your car hits, or is hit by, another vehicle, or other object.   Pays to fix your vehicle less the deductible you chose.
Deductible Options:  $250, $500, and $1,000

Towing & Labor:

$40 per disablement, available only on vehicles with physical damage coverage.

Rental Reimbursement:

$20 per day, $600 per occurrence, available only on vehicles with physical damage coverage.

Special Equipment

Up to $3,000 per vehicle, available only on vehicles with physical damage coverage.   Subject to a minimum premium of $100.00.
This is a summary of the coverages we offer. Please see the actual policy form(s) and declarations page for actual coverages and terms.
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