Auto insurance is the type of insurance purchased for cars, trucks, motorcycles and other vehicles usually used for protection against traffic accidents. Auto insurance, in particular, is mandatory by law in the United States. There are several categories of vehicle insurance, including the following: Automobile, Motorcycle and Commercial Vehicles.
Different Types of Auto Insurance
Liability Insurance policies cover both legal costs and legal payouts for which the insured would be responsible if found legally liable.
Collision Insurance is coverage designed to repair or replace your own car after a collision.
Comprehensive Insurance protects your car against damage not resulting from a collision
Uninsured/Underinsured Motorist Insurance
Uninsured Motorist Insurance/Under insured Motorist Insurance- Coverage that protects you if your involved in an accident with someone who does not have Liability Insurance or does not have enough Liability Insurance to pay for your damages. Under insured Coverage steps in when an at-fault drivers liability limits are too low to cover expenses.
Medical/Personal Injury Insurance- is an extension of auto insurance that covers medical expenses and in some cases, lost wages
Towing and Labor
Towing and Labor- typically covers the cost of towing your automobile to a repair shop when it is unable to be driven and covers a specified amount of necessary labor charges at the place of the breakdown.
Gap Coverage- Guaranteed Asset Protection (GAP) Insurance is optional coverage, usually for newer cars, it could pay the difference between the balance due on a vehicle and what insurance pays if the automobile is considered a covered total loss.
Rental Reimbursement- coverage option that pays for the cost of a rental car while your vehicle is being repaired
Sound, Picture & Data Equipment / Special Equipment
Sound, Picture and Data Equipment/ Special Equipment- coverage for electronic equipment
Original Equipment Manufacturer (OEM)
Original Equipment Manufacturer (OEM)- ensures that aftermarket replacement parts wont be used to repair your automobile
Auto Death and Dismemberment Coverage
Auto Death and Dismemberment Coverage- AD& D insurance pays you or your beneficiaries set amount of money if your death or dismemberment is the direct result of an automobile accident.
Types of Auto Insurance Discounts Available
There is NO Limit to the number of discounts that you can qualify for!
Home and Car
Passive Occupant Restraint
Defensive Driving Course
Contact us to discuss your auto insurance needs today!