 Auto
Insurance Quote Request
Please Select one of the following.
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Collision
Collision coverage pays when your own vehicle
is damaged in an accident. Generally, the coverage reimburses
you the amount to repair or replace your damaged vehicle, minus
the agreed on deductible. It is usually the most expensive
coverage in your auto policy.
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Comprehensive
Comprehensive pays for damages to your
car caused by an incident other than a collision with another
car or object. You're covered for fire, theft, riots, collisions
with animals, storms, falling objects, earthquakes, floods and
other natural occurrences. Often, comprehensive insurance
includes a daily rental provision that pays a certain amount
toward a rental car in conjunction with a theft claim. Like
collision, comprehensive coverage generally includes a
deductible.
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Deductible
The deductible is the amount of the loss you
agree to pay or absorb in the event of an accident. With auto
insurance, deductible amounts typically range from $50 to $1,000
per claim. That means you absorb the deductible amount every
time you make a claim. Choosing a higher deductible reduces the
cost of your insurance.
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Bodily Injury
This coverage pays, subject to policy
limits and conditions, all sums which you are legally obligated
to pay for any person(s) injured or killed in an accident where
you are at fault. Coverage includes medical expenses and lost
wages.
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Property Damage
Property Damage is liability coverage
for damage to another's personal property, such as an
automobile, house or fence, in a collision where you are at
fault.
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Medical Payments
This coverage handles medical bills
and funeral expenses for you or a passenger injured while riding
in your vehicle. Coverage extends to you or a family member when
riding as a passenger in someone else's vehicle or when struck
by a vehicle when on foot. Costs are covered up to the amount
specified by the policy.
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Personal Injury Protection (PIP)
Personal injury
coverage pays a broader range of medical costs than does Medical
Payments coverage. Coverage includes provisions for lost wages
and the replacement of the services of someone injured in an
accident. Personal Injury coverage is generally required in
states with No-Fault and available in some other states.
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Uninsured Motorists/Underinsured Motorist
Uninsured
Motorist coverage protects you in an accident with a motorist
who has no insurance or is underinsured. In some states or
insurance policies, Underinsured Motorist protection is separate
from Uninsured Motorist coverage. Uninsured Motorist protection
also covers you if you're injured by a hit-and-run driver.
Protection includes payment of medical costs, lost wages and
pain and suffering. It is required in many states.
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