Auto Insurance

Auto insurance has a broad range of coverages.

• Liability — Covers bodily injury & damage to property that you cause to others while operating your car. This type of coverage is required by many states in order to license your vehicle.
• Personal injury protection — Covers medical & hospital costs, income continuation, funeral expenses, & loss of services up to the coverage limits.
• Medical Payments — Medical & funeral expenses.
• Uninsured/underinsured motorist bodily injury — Covers injury that an uninsured or underinsured driver causes to an insured person.
• Uninsured/underinsured motorist property damage — Covers injury that an uninsured or underinsured driver causes to your insured vehicle.
• Collision coverage — Covers damage to your car that is caused by collisions.
• Comprehensive coverage or other than collision — Covers damage to your car except by collision (i.e. storm damage, vandalism)
• Emergency road service — Covers towing when your car breaks down.
• Car rental expense — Covers rental cost as described in your policy if you need to rent a car due to a covered claim.
• Death, dismemberment & loss of sight — Pays for death/certain injuries to persons named in the policy when due to an auto accident.
• Gap coverage — In the event that your vehicle is a total loss, it pays the gap between the market value of the vehicle & the loan payoff amount.
• Custom equipment coverage — Covers direct & accidental loss to custom furnishings or equipment.



Auto insurance rates vary based on a number of factors. They are usually determined by a base rate plus or minus certain amounts depending upon your age, sex, marital status, driving pattern, driving record, claims history, location, credit history as well as the make, model & year of your vehicle.