Auto Insurance.

We walk you through the questions necessary to not only get you the best basic coverage, but to ensure you take advantage of any applicable additional credits. Through our expertise and technology, we will ask all the questions necessary to find the best options efficiently and quickly.

For example, did you know that we can provide Safe Driver Discounts to clients who allow placement of a monitoring device in their vehicle?

Auto insurance usually covers a number of risks in one packaged policy. The most frequently used policy is the personal automobile policy (PAP)*. The PAP is designed primarily for private passenger automobiles, but protection can be extended to cover other types of vehicles. Typical coverage includes:

• Liability Insurance, to protect the owner against losses from legal liability arising from bodily injury or property damage caused by an accident.
• Medical Payments Coverage, for medical or funeral expenses because of bodily injury.
• Physical Damage Coverage, designed to cover physical damage to the insured automobile. Collision covers collision losses and Comprehensive Insurance covers losses from non-collision incidents, such as theft, fire or storm damage.
• Uninsured/Underinsured Motorist, to pay for injuries sustained in an accident with an uninsured (or hit-and-run) driver. Underinsured motorist insurance covers the difference between actual losses sustained and what an insured individual can collect from an at-fault uninsured or under-insured driver, up to policy limits.