Bodily Injury and Property Damage
Bodily Injury coverage protects you if you are sued due to an accident. You are provided a legal defense whether you are at fault or not. In the event there is a judgment against you, the policy will pay out up to the limits you select.
Property Damage pays for accident damage you are responsible for, such as someone's vehicle, light pole, or any inanimate object.
Uninsured Motorist and Underinsured Motorist
Uninsured Motorist covers you if you have medical expenses and injuries from an accident when the other party is at fault, but they have no auto insurance. The amount you receive is normally based on a court judgment and is subject to the limits you select. If your injuries are $300,000 and the limits you select are $250,000, the most you can receive is $250,000.
Underinsured Motorist is the same as Uninsured Motorist, except the other party at fault has some insurance, but not enough to pay what you were awarded. The policy will pay the difference between what you are awarded and what the other motorist's insurance provided...up to the limit you carry.
Comprehensive covers repairs to your vehicle for losses such as broken glass, hitting an animal, fire, theft, vandalism, hail or flood. Your only risk is the deductible you choose for Comprehensive Coverage.
Collision covers repairs to your vehicle if you are responsible for an accident or it is damaged by an uninsured or hit and run driver. Your risk is the deductible you choose.
We provide Automobile Insurance for many of the top insurance companies in the industry. We will shop to get you the best coverage for the best price.
There are many considerations besides price when you are looking for Automobile Insurance coverage. Let's get together and discuss all the options.
This is NOT the only coverage provided by your Automobile Insurance, but rather some highlighted coverages. When we discuss your individual needs we will go over all of the coverage options for your situation.
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