Automobile
The personal automobile policy is a package policy that provides several mandatory or required coverages, plus the convenience of purchasing additional property and other optional coverages all in one simplified policy. This package concept keeps expenses lower for the insurance providers, and therefore results in a lower cost to consumers.
The standard protection provided by your personal automobile policy is liability coverage that protects you from lawsuits arising from either the negligent operation or ownership of a covered automobile. There are two coverages provided in this part of the policy - bodily injury liability and property damage liability.
Bodily injury liability provides coverage for the bodily injury claims of people you may hurt or injure in an accident. Property damage liability provides coverage for any damage to the property of others you may cause.
The first optional coverage provided by the personal automobile policy is medical payments to you or passengers in your car when there is an accident. Then, you have the option to purchase additional bodily injury protection for yourself or your passengers with the uninsured and underinsured motorist coverage.
The physical damage protection for your automobile is often the coverage most frequently declined by consumers. These coverages provide protection for repairing or replacing your covered automobile after an accident occurs. The physical damage protection is provided under coverage for damage from collision, and damage from other than collision (or comprehensive coverage).
Collision is defined as losses you incur when your automobile collides with another car or object. Comprehensive (other than collision) provides coverage for most other direct physical damage losses you could incur, like damage from a hailstorm, fire, or vandalism.
We offer many different options from many different carriers with a multitude of discounts! Please call or E-mail an agent today for a quote!
