Auto Insurance

Our expert agents know the individual minimum state requirements and can offer you affordable auto insurance while advising you on how to increase your coverage limit.

Bodily Injury Liability

Bodily injury liability policy covers you in the event of at-fault accidents that result in death or injury to a third party.

Policies may pay for:

  • Medical bills incurred in third-party hospitalization, medical care, and follow-up care.
  • Legal fees to defend you if a third party sues you for causing an accident.
  • Lost wages to the injured party if they are unable to work due to the accident.
  • Funeral expenses of the person who passed away as a result of the crash .

Property Damage Liability

Property damage liability covers damage caused by you to others’ property during a car accident. Policies may cover:

  • Repairs for damage caused to the third party’s vehicle.
  • Damage caused to objects, such as trees, lampposts, mailboxes, signs, and fences.
  • Legal costs including, attorney and court fees when you are sued for the property damage.
  • Recurring expenses including repairs and maintenance that are required post-damage.

Underinsured Motorist

Underinsured motorist coverage protects you in the event of accidents caused by drivers without adequate insurance to pay for your damages. It may include:

  • Bodily injury coverage that pays for medical bills incurred by you or your passengers, loss of income, and funeral expenses.
  • Property damage coverage that pays to repair or replace your vehicle after an accident.

Medical Payments Coverage

Medical payments coverage pays for your and your passengers’ medical expenses resulting from an auto accident. Policies may include:

  • Doctor’s visits for treatment, surgery, or other medical procedure.
  • Ambulance fees, especially when medical supervision is necessary on the way to the hospital.
  • Extended care, including nursing services and hospitalization, required post-accident.
  • Funeral expenses of those who succumb to the injuries sustained in the accident.

Uninsured Motorist Coverage

Uninsured motorist coverage protects you in the event of accidents caused by drivers without auto liability insurance. It may provide compensation for :

  • Bodily injury including medical expenses, lost wages, and funeral expenses.
  • Property damage, including repair or replacement costs of your vehicle.

Collision Coverage

Collision coverage pays for repairing or replacing your vehicle damaged in an accident with another vehicle or object. It can cover:

  • Damage to your vehicle if it hits another vehicle or is hit by another vehicle.
  • Collisions with objects, such as a tree, fence, sign, mailbox, lamppost, guardrail, etc.
  • Injuries to pets in the car at the time of the collision .

Comprehensive Coverage

Comprehensive coverage pays to repair your vehicle if it is stolen or damaged by incidents other than collisions. It may cover:

  • Theft of the car, car accessories, and break-in damages, such as broken windows and damaged door locks.
  • Damage to your vehicle resulting from vandalism, fire, explosion, riots, storm, wind, floods, hail, and hurricane.
  • Accidents with animals, falling trees or limbs, rocks, or other objects.