Auto Insurance policies do not have to be complicated. We want to make it easy for you. Above all, our staff always recommend that you purchase adequate coverage to correspond with your net worth. Let’s take a look at the coverages.

Liability –

The first section of the policy is liability. It covers your financial responsibility for injuring others. Some amount of liability coverage is required in most states. It is usually stated as a three art number like 250/500/100 (expressed in 1000s.) A single number may also be used. This number represents the maximum amount insurance will payout after a claim. Additionally, the liability policy will cover the medical bills of the other party as well as property damage.

Physical Damage –

The second part of auto insurance covers the vehicle itself.

Comprehensive coverage reimburses losses from:

  • Fire
  • Vandalism
  • Glass breakage
  • Other perils

Collision coverage pays to repair losses caused by:

  • Collisions with vehicles
  • Collisions with objects
  • Often mandated by leasing companies and banks
Other optional coverage:
  • Medical
  • Car rental
  • Towing
  • Accidental death

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, 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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