Personal Auto Insurance

Personal Auto Insurance

The Personal Auto Policy is designed to protect both you and your car in the event of accident, theft, injury and other damages. The policy we recommend consists of the following coverages:

BODILY INJURY LIABILITY

This coverage provides protection against financial loss should your auto injure others and you are held liable. Includes such expenses as medical bills and lost wages. You are covered up to the policy limit per one individual and to an increased limit for an accident injuring two or more people.

COLLISION

This coverage pays for damages to your auto which are caused by collision with any object or overturn of your auto. It pays to the policy limit, minus the deductible amount you select, or to the actual value of the auto.

COMBINED SINGLE LIMIT

This provides a single liability limit for any damages caused by your auto. For example: You could have a 50,000/100,000 bodily injury limit and 25,000 property; or one single limit for all claims combined, such as 100,000. This would give you $100,000 protection for all damages, bodily injury or property, per each occurrence.

COMPREHENSIVE

This coverage pays for loss or damage to your auto (other than collision) when caused by theft, wind, fire, vandalism, explosion, or any other covered peril. It pays to the policy limit, minus the deductible amount you select, or to the actual value of the auto.

DEATH AND DISMEMBERMENT

Payment will be made in the event you or your spouse are injured in a auto accident or as a pedestrian hit by an auto, and death or dismemberment results.

MEDICAL PAYMENTS

This coverage provides protection against financial loss when you or others in your auto are injured. It includes such expenses as medical bills and surgery. You are covered up to the policy limit, regardless of who is at fault. This coverage will help fill in the gaps you may have in your own personal or family health plan.

RENTAL REIMBURSEMENT

This coverage pays for the rental of an auto, up to a stated limit, when your insured auto is disabled due to a collision or comprehensive damage.

SOUND EQUIPMENT

This coverage pays for loss of a non-factory installed sound system which is used to transmit, receive, or reproduce sound. This endorsement also covers loss of CB radio, telephone, CD unit, scanning monitor, antennas, speakers and other accessories used with your sound equipment.

TOWING AND LABOR

This coverage pays for towing and emergency labor costs when the insured auto becomes disabled while on the road, up to a stated amount.

UNDERINSURED MOTORIST

This coverage pays the difference between the amount you are entitled to receive for an injury and the actual amount of insurance carried by the driver responsible for your injuries. You and your passengers are covered up to the policy limit.

UNINSURED MOTORIST

This coverage pays for expenses that you and your passengers incur as a result of injury caused by an uninsured motorist. The coverage also pays you and your family members up to the policy limit if you are a victim of a hit-and-run accident or are struck by a vehicle as a pedestrian. UNINSURED MOTORISTS PROPERTY DAMAGE This coverage pays for the property damage to your vehicle caused by an uninsured motorist, when he is held liable for damages.