Our agency is highly experienced in writing Automobile Insurance.  We would be happy to discuss with you this coverage which every person is legally required to carry if they drive a vehicle on public roadways.  If you need to get a rate quote, please look at the bottom of this page.

Liability Insurance comes in a few forms and it is the one required by law.  It covers an insured person in the event of an accident in which they are found to be legally liable.  To be legally liable, you could be shown in a court of law to have been negligent in an occurance.  Most often, automobile accidents do not result in a court case as usually the fault is easily determined.  Sometimes however, the parties involved disagree and a case is filed.  The good news is that if your insurance companies agrees that you aren't at fault and it goes to court, the company will pay defense costs up to the limit on your policy.  This is a good reason to carry sufficiently high limits. 
The most common type of Auto Liability coverage is known as a "split limit" policy in which there are separate limits for Bodily Injury (BI) per Person, BI per Accident (the accumulated total maximum the company pays for BI), and Property Damage (PD; the other party's vehicle or a structure that may have been damaged in the accident).  The less common type is a Combined Single Limit (CSL) policy where there is one limit that is used for any payments made in the claim. 

Uninsured Motorist/Underinsured Motorist (UM/UIM) coverage provides payments to you in the event of an accident, even though it's not your fault, as long as the at-fault party does not have current insurance themselves or their limit is less than the amount of damage or injury you sustain.  The key to remember is that the at-fault party MUST be found and shown to not have coverage.  This means the coverage will not apply in a hit-and-run situation.  The reason the insurance industry has this clause is because otherwise it would be too easy for a person who wrecks their own vehicle with no one else around to claim that it was hit-and-run damage and collect on this coverage instead of their own Full Coverage where they would have to pay a deductible and likely have an accident surcharge applied.  In other words, it's to prevent fraud!

Medical Payments coverage in general helps when you're at fault in an accident by paying medical bills for you and the passenger(s) in your vehicle.  The limit shown on the policy is "per person".  Most insurance companies won't write limits higher than $10,000 or in some cases $25,000 with more common limits of $1,000 to $5,000.  So with the enormous costs of medical care that may be needed, this coverage is NOT a good substitute for a Health Insurance plan; however, it can be a good way to supplement it by paying deductibles and co-pays. 

Physical Damage Coverage is what's going to cover your own vehicle in the event of a claim.  Full Coverage can be a misleading term--- there are always things that aren't covered such as intentional acts and so forth.  It is actually broken down into two parts; Collision Coverage, which is when you are driving and hit somebody or something, and Other Than Collision, often referred to as Comprehensive Coverage (again, another misleading term) that covers a list of perils as specified in your policy but usually includes fire, theft, vandalism, hail, falling objects (like tree branches!), hitting an animal (like a deer!), or a rock in your windshield.  These coverages generally carry a deductible, which is the portion of the loss you must pay before the insurance coverage pays.

Rental Coverage and Towing or Roadside Assistance Coverage are options that can be added to your policy IF you have Physical Damage Coverage.  Rental Coverage furnishes you with a vehicle to drive while your car is being repaired from a covered claim (not while you're on vacation or due to mechanical breakdown of your own vehicle).  Towing or Roadside Assitance can be paid due to mechanical breakdowns.  Keep in mind these are optional coverages so be sure to discuss with your agent what you want and when in doubt, ask questions!

please provide as much of the following information as possible either by calling our office during regular business hours or e-mailing us:

• Your name and the names of all drivers living with you
• Your address and contact info (phone or e-mail)
• For all drivers: dates of birth, sex, and marital status
• List of tickets or accidents within the last 5 years
• Description of all the vehicles to be insured, including year, make, and model
• Indicate which vehicles are to have which type of coverages
• The name of your current company (if applicable) and the liability limits
• Also, confirm if you have had insurance for 6 months or longer
• If possible, driver's license numbers and Vehicle Identification Numbers (VIN)

We will do our best to get back to you promptly with the best package we can find for you.  Thank you for considering our agency!