Policies Designed For You
Having the proper Auto Insurance policy is essential. Since policies vary with different protection limits and options, it is important to choose a policy that properly covers your specific exposures.
Auto Insurance Policies provide the following coverages:
Liability Insurance - Pays for injuries and property damages to the other party involved in an accident if you are found liable.
Collision Coverage - Pays for damage to your car regardless of who is at fault. The insurance company must pay for the repair or up to the actual cash value of your vehicle, minus your deductible.
Comprehensive (other than collision) – Pays for damage to the policyholder’s car caused by anything other than a collision with another vehicle such as damage from fire, floods and theft.
Personal Injury Protection (PIP) & Medical Payments - Both pay limited medical and funeral expenses if you, a family member, or a passenger in your car is injured or killed in a motor vehicle accident. PIP also pays lost-income benefits.
Towing and Labor Coverage - Pays for towing charges when your car is not drivable, it also pays labor fees for such instances like changing a flat tire at the location of the break-down.
Rental Reimbursement Coverage - Pays a set amount for a rental car while your car is being repaired due to damage covered by your auto policy.
Uninsured/Underinsured Motorist (UM/UIM) Coverage - Pays for your injuries and property damage caused by a hit-and-run driver or a motorist without insurance or who is underinsured.
Recreational Vehicle (RV) Insurance
Recreational Vehicle (RV) Insurance can provide you with important coverage for a wide range of on and off-road sports vehicles including; Motorcycles, Dirt Bikes and Scooters as well as Motorhomes, Campers, Camper Trailers and Fifth-Wheel Camper Trailers. It also provides coverage on Golf Carts, ATVs, Snowmobiles and their trailers/sleds.
RV Insurance provides the following coverages:
Bodily Injury Liability to include coverage for your guest passengers
Property Damage Liability
Collision and other damage to your RV
Uninsured / Underinsured Motorist
Legal Defense Costs
Emergency First Aid Costs
Towing and Labor Costs.