Auto Insurance

Auto Insurance actually has various options of coverage within.      

Liability Coverage: 

Liability insurance is a part of the general insurance system of risk financing to protect the purchaser (the “insured”) from the risks of liabilities imposed by lawsuits and similar claims. It protects the insured in the event he or she is sued for claims that come within the coverage of the insurance policy.  When a claim is made, the insurance carrier has the duty (and right) to defend the insured. The legal costs of a defense normally do not affect policy limits unless the policy expressly states otherwise; this default rule is useful because defense costs tend to soar when cases go to trial.  Your policy limits are often referred to as three numbers;
Ex. 100/300/100 – If you have a wreck and you are at fault and you hurt other people.  This coverage will pay up to $100,000 for any one individual, $300,000 for the entire accident and $100,000 for property damage you have caused (fences, telephone poles, other vehicles involved…etc.)

Comprehensive & Collision Coverage: 

While many drivers simply obtain minimal insurance required by their state or area of residence, some drivers prefer to add collision and comprehensive auto insurance to their policy, to protect their vehicles in a more wide range of situations. Comprehensive auto insurance is recommended for all drivers, as it covers a wide range of situations-essentially everything which is not covered by collison insurance. Usually collision and comprehensive auto insurance are offered in a bundled package, although it is possible to purchase the two types of coverage separately.

In some cases, purchase of a collision and comprehensive auto insurance package (Full Coverage) may be required, especially in the case of financed cars. When borrowing money for a car, it is an excellent idea to consider a collision and comprehensive auto insurance package so that even if the car is destroyed, funds are still available to cover the outstanding remainder of the loan. Usually lenders will require proof of such insurance to carry the loan.

In brief, comprehensive auto insurance covers everything except collision. Collision insurance protects drivers in the case of encounters with other vehicles, objects, people, and the surface of the road. Collision insurance will cover the driver whether or not he or she is at fault for the accident. It also provides for towing, storage, and salvage if the car has been badly damaged. Generally, collision insurance will cover the cost of repairs to the vehicle, or replacement if it is badly damaged, unless the repairs are due to mechanical failure as a result of improper maintenance.

Comprehensive auto insurance covers theft, fire, vandalism, weather damage, riots, missiles, and natural disasters, or hitting a deer all qualify. Comprehensive auto insurance does not usually cover acts of God, theft or vandalism by family members or employees, contents of the vehicle, tires, or damage due to improper maintenance.


Uninsured motorists (UM) coverage pays for your injuries if you’re struck by a hit-and-run driver or someone who doesn’t have auto insurance.

Under-insured motorists (UIM) coverage pays for damages if the driver who hit you causes more damage than his or her automobile liability insurance covers. In some states, UM or UIM coverage will also pay for property damages.

Medical Coverage:

Medical coverage will pay for you and your passengers’ medical expenses after an accident. These expenses can arise from accidents while you’re driving your car, another persons car (with their permission), and injuries you or your family members incur when you’re pedestrians. The coverage will pay regardless of who is at fault, but if someone else is liable, your insurer may seek to recoup the expenses from them.


We help you review these coverages to determine which will meet your needs and protect you and your family from the unexpected.

You won’t find a better level of service anywhere in the area!