Home

Auto Insurance Basics:

Collision Coverage covers your vehicle if you are in an accident. This coverage is intended to repair your vehicle to the condition it was in before the accident.
Comprehensive Coverage covers your vehicle if your vehicle is stolen or sustains damage from something other than an accident - such as a hailstorm.
A Deductible is the amount that you pay toward a loss under collision and comprehensive coverage. This amount is paid first, before your insurance policy provides coverage.
Liability Insurance covers a claim against you for damage that you caused by hitting someone or their property.
Limit refers to the amount of insurance you purchase and the maximum coverage that would be paid on a claim. For example 50,000/100,000 limits of liability cover $50,000 per person and $100,000 per incident.
Medical Payments (Med Pay) covers medical, surgical and funeral expenses for you and passengers in your vehicle, if you have an accident
Personal Injury Protection (PIP) covers expenses for you and others if you have an accident. This is the basic coverage implemented in some states with No-Fault Automobile Insurance.
Rental Reimbursement covers the cost of a rental car while your vehicle is being repaired as a result of a covered loss.
Uninsured Motorist Coverage protects you if someone without insurance hits you.

^*Please be advised that policy coverages and changes can not be bound or made effective until they are received, reviewed & approved by a licensed agent, at which time you will be contacted via phone to confirm the coverage.