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Auto
Insurance
Get
a quote
At
our agency, we'll personally review your coverage and
help you get the most amount of coverage for the least
amount of money!
Are
you:
-
getting all the discounts you
are eligible for?
-
getting the personal service
you deserve?
-
satisfied with your agent?
We
can offer you a wide
variety
of
coverage options!
Auto Policy Coverage Descriptions*
Bodily
Injury (BI) and Property Damage (PD)
Covers
your liability for injuries you cause to other people
and property damage for which you are at fault.
This
coverage usually is expressed in a "split
number" such as 100/300/100.
The
first number is the limit (in thousands of
dollars) that your policy will pay for bodily injury per
person in the event of an accident. The second
number is the total limit your policy will pay
for bodily injury to two or more people per accident.
The
third number is the limit that your policy
will pay for property damage per accident.
Many
people are underinsured today because of the rising
costs of vehicles (making it
easy to exceed your Property Damage limits) and the high
personal injury awards in lawsuits.
Please
consult us to make sure you have adequate converge-
we'll be happy to help you!
Uninsured
& Underinsured Motorist
Covers
you when you are injured by someone who is not insured
or has inadequate limits of coverage. This is often an
overlooked coverage, and we would be happy to help you
understand this better!
Collision
This
covers the cost of replacing or repairing your vehicle
in the event of an accident in which you were
involved. The premium varies depending upon your
deductible, type of car, and several other factors.
We suggest higher deductibles to save money. We
would be happy to help you decide which deductible is
right for you!
Comprehensive
This
covers repairing or replacing your vehicle in
non-accident situations, such as theft and vandalism.
Hail and some other "acts of God" are sometimes covered, as
defined by your policy. This also has a deductible, so
please consult with us about which deductible meets your
needs. |
