Auto Insurance

Whether we are driving to the grocery store, or to soccer practice, or cross coutry to visity relatives, your car is always there to get you from point A to point B. Protect your car! Be sure that when you get in an accident or your car breaks down, that the pain of downtime is less of a burdon. Talk to one of our agents to get started on a policy today!


iii What is Auto Insurance

Coverage

When looking for the right auto policy, it is important to know what comes with it. Here is a list of the coverages provided by a basic auto insurance policy:

  1. Bodily Injury Liability.
  2. Medical Payments or Personal Injury Protection (PIP)
  3. Property Damage Liability
  4. Collision
  5. Comprehensive
  6. Uninsured and Underinsured

For more information on any of the items listed above, click the following link:


iii Basic Auto Policy Coverage

Can I drive legally without insurance?

NO! Almost every state requires you to have auto liability insurance. All states also have financial responsibility laws. This means that even in a state that does not require liability insurance, you need to have sufficient assets to pay claims if you cause an accident. If you don't have enough assets, you must purchase at least the state minimum amount of insurance. But insurance exists to protect your assets. Trying to see how little you can get by with can be very shortsighted and dangerous. The insurance industry and consumer groups generally recommend a minimum of $100,000 of bodily injury protection per person and $300,000 per accident since accidents may cost far more than the minimum limits mandated by most states.