Auto Insurance

Liability Bodily Injury and Property Damage Coverage covers legal liability for an accident where there is damage or injury for someone else up to the limit of liability you select. The insurance company pays for the cost to replace or repair damaged property, the medical bills and wage loss incurred by an injured person, and other damages the insured is legally obligated to pay as result of an accident.

The first amount - $250,000 - represents the maximum amount the insurance company will pay for any one person's injuries resulting from an auto accident. The second amount - $500,000 - represents the maximum amount the insurance company will pay for all injuries resulting from an auto accident. The third amount - $100,000 - represents the maximum amount the insurance company will pay for property damage resulting from an auto accident.

The $500,000 represents the maximum amount the insurance company will pay for all injuries and property damage resulting from an auto accident. The $500,000 can be allocated any way necessary for reimbursement.

Uninsured/Underinsured Motorist Coverage pays for medical treatment, wage loss, and other damages sustained as a result of an auto accident where the liable motorist doesn't have liability coverage.

Comprehensive and Collision coverage covers the cost to repair or replace the auto if it is stolen or damaged in an accident, no matter who is at fault. The insured shares in this cost by paying a deductible. Under Collision Coverage, the insurance company pays for damage caused in a collision with another vehicle or object. Under Comprehensive Coverage, the insurance company pays for damage caused by an event other than collision, such as fire, theft, or vandalism.

Actual Cash Value Coverage is the most economical choice when it comes to insuring an auto. The Actual Cash Value is determined by the market value, age and condition of the vehicle at the time of the loss.

Provides coverage 24 hours a day, 365 days a year including battery jumpstarts, fuel delivery, flat-tire change, lockout service, and winching and towing for mechanical or electrical breakdown.

Applies to medical bills or funeral expenses incurred by you, members of your family, and passengers due to injuries resulting from an auto accident.

Applies to medical bills, rehabilitation, funeral expenses, lost wages, and loss of services of you and resident relatives due to injuries involving a motor vehicle whether the insured is a passenger or a pedestrian.