- Bodily Injury Liability Insurance which protects you and your family financially if you are sued by someone injured in an accident in which you were involved. It will pay legal and court costs and damages awarded up to the limits written into the policy.
- Property Damage Liability Insurance, which covers your legal responsibility for damages to the property of others caused by collision with your car. In an accident, the "property of others" is usually another car, but it also covers damage to public and private property such as road signs, bridges, or buildings, up to the limits written into the policy.
- Uninsured Motorists Insurance, which covers your bodily injuries and those of your passengers if you are hit by an uninsured motorist or hit-and-run driver who is responsible for the accident. It does not cover damages to your car.
- Medical Payment Insurance pays for your medical costs up to the limit stated in the policy. It covers you or your family whether you are a rider or a pedestrian struck by a motor vehicle. Some policies also cover you when you are in someone else's car. Passengers in your car also are covered. Medical payment insurance usually covers funeral expenses in connection with an automobile accident. However, some policies pay only the amount not covered by other collectible health or accident insurance.
- Comprehensive Insurance pays for damages to your car from risks such as fire, theft, explosion, windstorm, hail, vandalism, glass breakage, birds and animals. Risks covered are listed in your policy under the insuring agreements section. The deductible is the amount of any loss you must pay before the insurance company will cover damages.
- Collision Insurance covers damage caused by the collision of your car, regardless of who is responsible. This type of insurance usually includes a deductible. Again, you pay the deductible amount when you have an accident, and the insurance company pays the rest, within the limits of the policy.
- Uninsured Motorist Insurance covers your bodily injuries and those of your passengers if you are hit by a car whose driver is at fault and does not have enough insurance to cover the expenses of the injuries, or if you are injured by a hit and run driver.
Please contact us for more information.