Auto insurance is a necessity for drivers everywhere. Different states maintain different requirements for levels of coverage. We will assist you with your state requirements.

Typically, you will be required to carry:

  • Bodily Injury Liability – which covers costs associated with injuries or death that you or another driver causes while driving your car.
  • Property Damage Liability – which covers damage that you or another driver operating your car causes to another vehicle or other property.

In addition, you may be required to carry:

  • Medical Payments or Personal Injury Protection (PIP) – which provides reimbursement for medical expenses for injuries to you or your passengers. It will also cover lost wages and other related expenses.
  • Uninsured/Underinsured Motorist Coverage – which reimburses you when an accident is caused by an uninsured or underinsured driver. This coverage also protects you in the case of a hit-and-run.

Required coverages cover the damage made by your vehicle. To ensure your vehicle is covered, consider these additional coverages:

  • Collision – which covers damages to your car that occurs as a result of a collision with another vehicle or other object when you’re at fault.
  • Comprehensive – which provides coverage against theft or damage caused by an incident other than a collision, such as fire, flood, vandalism, hail, falling rocks or trees and other hazards.
  • Glass Coverage – which covers windshield and other auto glass damages. Some auto policies include no-deductible glass coverage.

Lastly, consider Gap Insurance if you still owe on a purchased vehicle or lease. Your car begins depreciating the moment it leaves lot. Gap Insurance covers the difference between the depreciated value and market value or amount owed.

 

Contact us for a quote today!