Why an independent agent?

Why an independent agent? When shopping for auto insurance or business insurance, most people are unaware that there are different kinds of agents they can work with.

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Liability and Medical Protection

 

Liability

Auto liability coverage pays for the damage if you are legally responsible for accidentally injuring someone, or for damaging another vehicle or other property in an auto accident. Auto liability coverage falls into two categories:

  • Bodily Injury Liability – which covers medical expenses, pain and suffering, lost wages and other special damages.
  • Property Damage Liability — which covers damaged property and may include loss of use.
  • Liability coverage also pays legal defense and court costs.
  • State laws usually dictate the minimum amounts of insurance required, but higher amounts are available.

Medical Payments Coverage

If you’re in a covered accident, this Medical Payments option helps pay for any reasonable and necessary medical bills. It pays medical and funeral expenses for covered persons when those expenses are related to an auto accident.

Underinsured / Uninsured Motorist Coverage

If a driver with little or no insurance damages your car, or injures you or someone riding with you, this coverage option can help cover repairs and expenses. (This is subject to certain limitations, however, so check your individual policy, or talk to your agent for more details.)

This coverage pays for damages when a covered person is injured in an auto accident caused by a driver who does not have Liability Insurance.

Coverage for the Vehicle:
Collision

This coverage helps pay for damage to a covered vehicle caused by:

  • Collision with another vehicle
  • Collision with an object
  • A vehicle rollover
  • A deductible is required.

Comprehensive

This coverage helps pay for loss of or damage to an insured vehicle, not caused by a collision or vehicle rollover.
Examples of this type of damage or loss include:

  • Fire
  • Wind
  • Hail
  • Flood
  • Vandalism
  • Theft
  • Hitting an animal
  • A deductible may apply.

Uninsured Motorist

This coverage pays for damages when a covered person is injured in an auto accident caused by a driver who does not have Liability Insurance.
In some states this coverage may also pay for property damage.
This coverage varies by state and depends upon policy provisions.

Additional Protection

Personal Injury Protection (PIP)
Helps reimburse you for lost income, childcare expenses, medical expenses and other similar things if you’re hurt in a covered accident.

  • Lost earnings
  • Replacement of services (For example, child care if a parent is disabled.)
  • Funeral expenses

Additional Coverage Options

Can boost convenience and peace of mind, whether it’s with our Towing and Labor-Cost Coverage, Rental Car Reimbursement Coverage, Sound System Coverage, or Tape/CD Coverage. The choice is yours.

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