What does car insurance cover?
There are 3 primary types of insurance coverage:

  1. Liability Insurance: Covers the cost associated with injuries and property damage you are responsible for if you cause the accident.
  2. Collision: Covers the costs to repair or replace your damaged or destroyed vehicle after an accident.
  3. Comprehensive: Formally known as "other than collision," this portion of your policy covers damage to your vehicle from causes such as auto theft and weather damage.

Additional Coverage that May be Available

  1. Medical Payments: Covers the cost of injuries for you and the others in your vehicle after an accident, regardless of who was at fault.
  2. Personal Injury Protection (PIP): Similar to medical payments coverage, PIP coverage can pay your medical costs after an accident, regardless of fault.  But PIP offers expanded coverage that includes coverage for lost wages.
  3. Total Reimbursement: Pays a certain amount daily for a replacement vehicle if yours is in the shop for repairs.
  4. Towing and Roadside Service: Provides emergency roadside assistance and towing to help you get your vehicle back on the road or to a shop for repair.

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We have the knowledge and experience to recommend policies that take the guesswork out of finding the perfect auto policy for you and your family. We can compare options and quotes, find discounts, and be there for you when you have questions and concerns.