Auto Insurance

Auto insurance provides property, liability and medical coverage:

• Property coverage pays for damage to or theft of your car.
• Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
• Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses

An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you’re financing a car, your lender may also have requirements.

Most auto policies are for six months or a year. Your insurance company should notify you by mail when it’s time to renew the policy and to pay your premium.

Why do you need auto insurance?

It’s really all about protecting yourself financially.

• If you’re in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.
• If you or any passengers are injured in an accident, medical costs can be extremely expensive.
• If you or your car is responsible for damage or injury to others, you may be sued for much more than you’re worth.
• Not only is having insurance a prudent financial decision, many states require you to have at least some coverage.

We provide reliable protection for your car at competitive prices:

• BI – Bodily Injury Liability: Coverage for injuries caused to others in an accident where you are at fault.
  
  
• PD – Property Damage Liability: Covers damage to another person's vehicle or property due to your fault.
  
  
• PIP – Personal Injury Protection: Covers medical expenses for you and your passengers, no matter who’s at fault. (State-dependent) 
  
  
• COMP – Comprehensive: Protection against non-collision incidents: theft, vandalism, weather, and more.
  
  
• COLL – Collision: Pays for damage to your vehicle from collisions, regardless of fault.
  
  
• UM/UIM – Uninsured/Underinsured Motorist: Covers your injuries and damages if the at-fault driver has little or no insurance.
  
  
• Rental Reimbursement: Covers the cost of a rental car while your vehicle is being repaired after a covered claim.
  
  
• Roadside Assistance: Emergency towing, battery jump-start, flat tire change, lockout service, and more.