Many people have automobile insurance coverage but do not understand what they are paying for.
Below are explanations of the basic coverages. A custom quote based on your individual needs can be
tailored to you.

  • Liability Coverage – This coverage has two parts: bodily injury and property damage to another person
    or their property. Liability coverage is a legal requirement in most states to drive a vehicle. Liability
    coverage does not cover damage to your vehicle.
  • Medical Payments – Sometimes referred to as PIP. Provides coverage for you or your passengers’
    medical expenses if due to an auto accident.
  • Uninsured/Underinsured Motorist Coverage – UM/UIM as commonly referred to covers if an at fault
    driver causes an accident with no automobile insurance or too low of liability limits to cover expenses.
  • Comprehensive Coverage – Coverage for damage caused by something other than collision. Some
    examples are vandalism, falling objects (tree or hail) or fire.
  • Collision Coverage – Coverage to repair or replace your car if there is damage from colliding with
    another vehicle or object.

The above information is just a snapshot of coverages. If you are interested in obtaining quotes, please
contact our office.