WHAT WE COVER:
BODILY INJURY LIABILITY
For injuries the insured causes to someone else
PROPERTY DAMAGE LIABILITY
For damage that you caused to someone else’s property.
COLLISION & COMPREHENSIVE
For damage to the insured’s car from a collision. The collision could be with another car, a light post, fire hydrant, tree, etc. For damage to the insured’s car that doesn’t involve a collision with another car.
OTHER MOTORIST COVERAGE
Uninsured/Underinsured Motorist Coverage gives you the assurance you need knowing that your medical expenses will be covered. In cases where the driver at fault does not have adequate liability to pay for your injuries and damages, you’ll be compensated for the amount in which you are legally entitled to – in regards to you, your passengers, and your vehicle. Uninsured/Underinsured Motorist Protection may also take care of property damage in some states.
MEDICAL PROTECTION
For treatment of injuries to the driver and passengers of the insured’s car. Personal Injury Protection can cover medical payments, lost wages and the cost of replacing services normally performed by someone injured in an auto accident.
GUEST PASSENGER LIABILITY
Unlike auto insurance, where everyone in the car is automatically covered by liability insurance, passengers like on the back of a motorcycle or ATV for example, may not be. Laws surrounding this coverage depend on the state in which you reside and not every insurance carrier offers this coverage. You don’t want to be financially responsible for the possible injuries to your passengers, checking with us will keep help you know as you go and keep it a fun day.