Auto Insurance

If you have an accident, auto insurance protects you against financial loss. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.

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Why do you need auto insurance?

  • If you're in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.

  • If you or any passengers are injured in an accident, medical costs can be extremely expensive.
  • If you or your car is responsible for damage or injury to others, you may be sued for much more than you're worth.
  • Not only is having insurance a prudent financial decision, many states require you to have at least some coverage.



Auto insurance provides property, liability and medical coverage:

  • Property coverage pays for damage to or theft of your car.

  • Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
  • Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.



Things to consider before driving for a ride share company:

  • Not all Ride Share Companies are created equally.

  • If you get into an accident while working for a Ride Share Company you may not be fully covered.

  • Drivers with leases or loans on their vehicles should exercise caution when considering driving for a Ride Share Company. 

  • There are insurance carriers willing to provide coverage for your specific needs. As your Independent Agent we can help close gaps in coverage.



Questions to ask

As your Independent Agent, we act as an advocate to find auto insurance that meets your specific needs. 

  • How much can you afford to pay if you get in an accident? What savings are offered by having a higher deductible?
  • For what costs will you be held responsible vs. the other party?
  • What is the insurance company's level of service and ability to pay claims?
  • What discounts are available? Are there good driver, multiple policy and student discounts?
  • What's the procedure for filing and settling a claim? What is the number to call and what happens after the claim is filed?


AUTO INSURANCE PROVIDES PROPERTY, LIABILITY AND MEDICAL COVERAGE:

  • Property coverage pays for damage to or theft of your car.

  • Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
  • Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.




QUESTIONS TO ASK