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At our agency, we’ll personally review your coverage and help you get the most amount of coverage for the least amount of money!
Are you:
-getting all the discounts you are eligible for?
-getting the personal service you deserve?
-satisfied with your agent?
We can offer you a wide variety of coverage options!
Auto Policy Definitions
Bodily Injury (BI) and Property Damage (PD)
Covers your liability
for injuries you cause to other people and property damage for which you are at
fault. This coverage usually is expressed in a “split number” such as
100/300/100.
The first number is the limit (in thousands of dollars) that your policy will pay for bodily injury per person in the event of an accident.
The second number is the total limit your policy will pay for bodily injury to two or more people per accident.
The third number is the limit that your policy will pay for property damage per accident.
Many people are underinsured today because of the rising costs of vehicles (making it easy to exceed your Property Damage limits) and the high personal injury awards in lawsuits. Please consult us to make sure you have adequate converge- we’ll be happy to help you!
Uninsured & Underinsured Motorist
Covers you when you are
injured by someone who is not insured or has inadequate limits of coverage. This is
often an overlooked coverage, and we would be happy to help you understand this
better!
Collision
This covers the cost of replacing or repairing your
vehicle in the event of an accident in which you were at fault. The premium varies
depending upon your deductible limits. We would be happy to help you decide which
deductible is right for you!
Comprehensive
This covers repairing or replacing your vehicle in
non-accident situations, such as theft and vandalism. Hail and other “acts of
God” are covered, as defined by your policy. This also has a deductible, so
please consult with us about which deductible meets your needs.