Reliable Protection
for You and Your Vehicle
Liability
If you are the responsible party in an accident, this pays for injuries to the other party, including medical expenses, loss of income, and potentially pain and suffering.
Property Damage
Whereas “Liability” pays for injuries to the other party, this pays for damage to their vehicle(s) or property should you be at fault.
Collision
Pays for damage to your vehicle in an “at-fault” accident, minus your deductible.
Comprehensive
Pays for damage to your vehicle in any scenario not considered a collision. This might include theft or vandalism, broken windshields, damage by nature (hail, water, tree limbs, or falling objects), fire (even when parked in the garage), and striking or being hit by an animal.
Medical Payments
Covers medical expenses for you and members of your family while in the vehicle or as a pedestrian on the street. It is important to note that most policies have a relatively low limit on this coverage, typically between $1,000 and $5,000.
Uninsured / Underinsured Motorist
Covers medical expenses and property damage for you, your passengers, and your vehicle should the at-fault party have no insurance or inadequate coverage to pay for the expenses.
Roadside Assistance / Towing
Optional coverage that pays for towing, flat tire repair, fuel delivery, lock-outs, jump starts, and more.
Rental Car Reimbursement
Covers a replacement vehicle while yours is being repaired due to an at-fault accident (rather than a mechanical breakdown). If the other party is at fault, they would typically be responsible for providing this service to you.
