Personal Auto

PROTECT YOUR VEHICLE WHEN YOU ARE ON THE ROAD

Coverages

Collision

Collision provides coverage in the event of a loss or damage to an insured vehicle caused by a collision or overturn.

Comprehensive

Provides coverage in the event of a loss or damage to an insured vehicle caused by incidents other than a collision. This includes damages due to fire, theft, vandalism, hailstorms, or near by explosions.

Liability

A liability coverage will protect the insured driver, additional insured drivers, drivers the policyholder has permitted to drive the vehicle, and employee or member of an organization/group covered in the policy. Always make sure to review the details of your insurance policy before making a claim.

Medical Payment Coverage

Covers the medical costs of the policyholder along with anyone in the vehicle at the time of the accident. Before deciding to add this to your policy, you should find out what is and is not already covered in your policy.

Personal Umbrella Policy

Provides liability coverage but excels the standard auto and homeowners’ insurance. This an optional policy that provides extra protection. Offers bodily injury (ex: medical cost, funeral expenses, and loss of income of other people involved), personal injury (ex: false arrest or invasion of privacy) and property damage (ex: physical destruction of someone else’s property) protection for both you and your family.

Physical Damage Coverage

This would cover any physical damages to your vehicle. This would include Collision Damage (damage to the vehicle related to a collision with another vehicle or object and Non-collision Damage (for example: flooding or wind damage). Exclusions may include vehicle accessories or upgrades, normal wear and tear damage, and using the vehicle for business without permission of the permission of the insurance company.

Rental Reimbursement Coverage

Covers for when renting a car or another transportation expenses while your vehicle is under repair because of collision or other insured loss. Having this coverage will minimize the inconvenience of waiting for you and your family while the vehicle being repaired.

Roadside Coverage

This can cover the cost of some roadside services including battery jump-starts, towing, lockout assistance, spare-tire installation, and fuel delivery depending on your policy.

Underinsured Motorists Coverage (UM-UIM)

UM/UIM is a policy level coverage that provides coverage for damages which an insured is legally entitled to recover from another party who is considered at-fault for an accident but is uninsured or underinsured for the level of damages.