Bodily Injury and Property Damage (Liability): One of the most important coverages in your auto policy is bodily injury and property damage liability coverages. This coverage compensates persons who claim that they were injured or suffered property damage because of the ownership, maintenance, or use of your insured auto, up to a limit that you select. A higher limit is always suggested, not because is costs more, but because it will protect you and your assets that you have worked so hard to obtain.

Uninsured/Underinsured Motorist: This coverage compensates you, members of your household and your passengers, up to a limit that you select, for bodily injury from an accident with a motorist who has no insurance or is underinsured. Uninsured Motorist protection can also compensate you, if you’re injured by a hit-and-run driver or if you’re injured as a pedestrian.

Medical: This coverage pays reasonable and necessary medical bills and funeral expenses incurred within two years of an accident, up to a limit you select, for you or a passenger injured while riding in your vehicle. Coverage also extends to you or a family member when riding as a passenger in someone else’s vehicle or when struck by a vehicle as a pedestrian.

Comprehensive & Collision (material damage): Comprehensive coverage compensates you for damage to your vehicle from fire, theft, falling objects, riots, storms, earthquakes, floods, collision with a bird or animal and other natural occurrences. Collision coverage compensates you for damage to your vehicle that results from a collision with another vehicle, object or a uninsured motorist.

Collision Plus / Loss of Use: This is designed to assist you with some expenses you may incur following a loss in excess of the deductible arising under Collision and/or Comprehensive loss. It will provide you with a rental car so you can still get to and from work

Towing / Road Service: When you or your loved ones are stranded because your car will not operate and you need help, we’re as close as the telephone. You can reach us 24 hours a day, 365 days a year, with just one toll-free call. And with our sign-and-drive feature in many of our coverages, you may not need a credit card or check to get the help you need.