Barrett Hill Insurance loves the opportunity to tailor a package of home, auto, umbrella and life insurance to make sure your families needs are met. A professional agent is an important part of the insurance process. Therefore, we advise you to give us a call today and speak with one of our dedicated agents.

Collision and comprehensive (other than collision) coverages

Collision and Comprehensive (other than collision) coverages pay for damage to your automobile. You can purchase either or both of these coverages for each vehicle you own. If you have an auto loan you may be required to purchase both.

Collision and comprehensive (other than collision) coverage includes a deductible, which can range from $100 to $1,000. If your car is damaged, the Insurance company pays for the damage in excess of the deductible. When you chose a higher deductible the premium will decrease.

Liability coverage

Liability coverage pays for injuries you cause to other people. It also pays for damage you cause to other people’s property when you are at fault in an automobile accident.

Medical Payments coverage

Medical Payments coverage pays medical expenses (up to a specified dollar limit) for you and passengers of your car who are injured in an automobile accident, no matter who is at fault. If you and your passengers have health Insurance you may not need this coverage.

Uninsured/Underinsured Motorist coverage

This coverage pays if you are injured by a person who is completely uninsured or doesn’t have enough liability Insurance to cover your injuries. It also covers you if you are in an accident with a hit-and-run driver.

Optional coverage

Optional or special coverage includes extras such as towing, rental reimbursement, and roadside assistance. None of these coverages are required.

We highly recommend using higher deductibles on the physical damage coverage to reduce premiums. Also, we strongly encourage our clients to consider an umbrella policy. An umbrella policy will give additional liability coverage over your auto policy. Furthermore, the policy will extend over your home, rental homes, boat, etc. With umbrella insurance, it is important that you carry the required amount of liability insurance to avoid a gap in coverage in the case of a serious accident. Usually, this limit is 250/500/100 or higher.

 

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