Auto Insurance

This coverage applies to injuries that you, the designated driver or policyholder, cause to someone else. You and family members listed on the policy are also covered when driving someone else’s car with their permission. It’s very important to have enough liability insurance in your auto insurance coverage, because if you are involved in a serious accident, you may be sued for a large sum of money. Definitely consider buying more, than the state-required minimum to protect assets such as your home and savings.

This coverage pays for damage you (or someone driving the car with your permission) may cause to someone else’s property. Usually, this means damage to someone else’s car, but it also includes damage to lamp posts, telephone poles, fences, buildings or other structures your car hit.

This coverage pays for the treatment of injuries to the driver and passengers of the policyholder’s car. At its broadest, PIP can cover medical payments, lost wages and the cost of replacing services normally performed by someone injured in an auto accident. It may also cover funeral costs.

It’s only a fender-bender, but the cost of the headlight, a new bumper, and a paint job can add up quickly. Collision Coverage will pay for damage to a covered vehicle caused by the following, subject to a deductible:

• Collision with another vehicle
• Collision with an object
• A vehicle rollover

Who’d have thought that little hailstones could do so much damage? Your car is covered with dozens of dents. This comprehensive coverage helps pay for loss of or damage to an insured vehicle, not caused by a collision or vehicle rollover. Typically, that’s coverage for the following, and it may be subject to a deductible

• Fire
• Wind
• Hail
• Flood
• Vandalism
• Theft
• Hitting an animal