Auto insurance can be very expensive when the wrong coverage is purchased. We take great pains to market each client's policy with a number of insurance companies to find the best fit. Each household is classified and rated based on the vehicles, drivers, and coverage. Discounts available include safe driver, age, and multi-car.
Physical Damage
Includes collision and comprehensive protection for your auto.
Collision
Covers upset and overturn — damage resulting from your vehicle hitting another vehicle or object.
Comprehensive
Covers fire, theft, vandalism, animals, and windshield damage.
Liability Coverage
Protects the owner of a vehicle for bodily injury and property damage as a result of negligence. Includes medical rehabilitation and therapy.
Uninsured Motorist
Protects you in the event you or your property suffer if hit by a driver who does not carry mandated insurance.
Underinsured Motorist
Provides excess coverage if you are hit by someone carrying very low liability limits that are not sufficient to cover your damages.
Understanding Split Liability Limits
Example: 100/300/100 = $100,000 / $300,000 / $100,000
- $100,000 — the most paid for any one person injured in an accident
- $300,000 — the most paid for all injuries in an accident (subject to the per-person max)
- $100,000 — the most paid for all property damage in an accident