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Automobile Insurance

Auto Liability Insurance

What would happen if you caused an auto accident? What assets that you have are in jeopardy? Would you lose your future income ? Your savings?

Auto liability insurance protects you from the accidental damages you do to other people or property. It is typically sold in increments of per person / per accident bodily injury and property damage. For example 100/300/100 provides $100,000 in coverage for each injured person up to a maximum of $300,000 per accident for all bodily injuries. There is also coverage in this example for $100,000 in property damage.

Collision Coverage

Would my car be repaired after an accident? Collision coverage provides basic protection for your automobile if it is involved in an accident.

Comprehensive Coverage

Would a hail storm’s damage be covered under my auto policy? Yes, if you have comprehensive coverage – which covers perils such as flood, fire, theft, vandalism, glass breakage, etc.

Medical Payments Coverage

If my son’s friend slams his finger in our car door while leaving the soccer field is that covered? You bet. The medical payments coverage on your policy provides coverage for your passengers and guests.

Uninsured / Underinsured Motorist Coverage

This is perhaps the most important coverage on your policy. but, it is often not understood and often overlooked in the purchase of a policy.

Suppose you are involved in an accident that is not your fault. Will you have enough coverage to carry on your life as before? Will the other party who is at fault have any insurance or enough? Statistics show that in about 14% of all accidents the at fault party will not have any insurance. The chances are even greater that the at fault party will not have enough to take care of your injuries or your passengers. It is important to buy uninsured / underinsured motorist coverage to take care of you and your family in this type of situation.

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