Coverage
We can provide you with a comprehensive and competitively priced auto policy that includes any of the following optional benefits.
Some of the designations we have are as follows:
Types of Auto Insurance Coverage
LIABILITY
Covers an insured's legal liability for damages for bodily injury and property damage as a result of an auto accident.
FIRST PARTY BENEFITS - (PA)
Provides coverage for medical expenses, funeral expenses, and income loss due to an auto accident regardless of who is at fault in the accident.
MEDICAL PAYMENTS - (OH)
Covers the medical expenses for injuries sustained in an auto accident.
UNINSURED AND UNDERINSURED MOTORISTS
Provides coverage to an insured if the insured is legally entitled to recover for injuries from the at-fault party in an auto accident, and the at-fault party is either uninsured or underinsured.
COMPREHENSIVE
Provides coverage to the owner of a vehicle for damages occurring to the insured vehicle except collision or upset. Some of the more common damages under comprehensive are fire, theft, glass breakage, animal collision and vandalism. This coverage almost always includes a deductible.
COLLISION
Provides coverage to the owner of a insured vehicle for damage to an auto for collision and upset. This coverage almost always includes a deductible.
OPTIONAL COVERAGES
For an additional premium an insured can also purchase coverage for Road service, Towing, and Transportation Expenses (rental car), Gap Coverage, and Total Loss Replacement Coverage.
Specialized Coverage
These auto-related vehicles often have specialized coverage needs:
MOTORCYCLES
The vehicles can be a significant investment, and you want an agent that understands that. Often motorcylces have accessories that have been added after the bike left the factory, it is important to make sure you have adequate coverage for those accessories.
TRAVEL TRAILERS, MOTORHOMES
How much do you travel with your camper?
Is your camper permanently parked?
Do you keep belongings in your camper year-round?
These are situations you want to make sure you have provided for under your policy.
ATVs and UTVs
ATVs and UTVs are required to have insurance in many states. We can walk you through all of the available coverage options so that you select the best fit for your machine.
BOATS
Looking for coverage for this investment? We can help you navigate all the available options, including what may already be covered under your homeowners policy and other specialty boat coverages you may find important.