Personal Auto Insurance
The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by accident, fire, theft, or other covered event. Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.
An auto insurance policy is a contract between you and an insurance company. You pay a premium, and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy. Work with us to determine the best coverage for you
We write insurance in WA and would be happy to help you ensure you have the right coverage for where you live.
Even in states where coverage isn’t required, drivers must, by law, be able to pay for losses they cause others. Having insurance is the simplest way for most people to comply. To finance a car, it is usually necessary to have insurance which covers damage to your vehicle.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.