Why should you buy auto insurance? Well, for most of us, our cars are one of the biggest investments we make and to experience a loss could be financially devastating. Auto insurance can cover more than just the repairs on your vehicle. Depending on the coverage you choose, your insurance can:
• Cover medical expenses associated with an accident
• Pay for losses caused by underinsured or uninsured drivers
• Reimburse you for damages suffered because of vandalism, natural disasters, theft, or animal damage
• Pay for legal representation in case of a lawsuit.
We also offer discount programs which can substantially lower your insurance premiums.
• 15% discount for combining your automobile and homeowner insurance with the same company.
Common Auto Insurance Terms:
Bodily Injury Liability: If you injure someone in a car accident, this coverage will pay that person’s medical and rehabilitation expenses and any damage for which they may sue you.
Property Damage Liability: If you are at fault in an accident and you damage someone else’s property, this coverage pays to fix it.
Medical Benefits: This coverage pays medical bills for you and others covered on your policy, no matter who was at fault in the accident.
Uninsured/Underinsured motorist: If you are injured in an accident and the person who hits you does not have insurance or they do not have enough insurance, this coverage will pay for your loss and damages, including medical, loss of wages, pain and suffering. It makes sense to purchase the same level of this coverage that you have for bodily injury liability.
Collision: If you have an accident, this coverage will pay to fix your car, less your deductible.
Comprehensive: This coverage pays for theft, as well as damage to your car for hazards including, fire, vandalism, striking an animal, glass, windstorm, and hail.
Some additional discounts available: Multi-Car, Anti-theft, Air bag, Anti-lock brakes, Driver Training, Good Student, Accident free.