Auto
Insurance
We offer comprehensive insurance for your cars, motorcycles and recreational vehicles.
FAQ
Auto insurance typically provides financial protection against physical damage and/or bodily injury resulting from traffic collisions and other incidents involving your vehicle.
A standard policy may include:· Liability coverage – for damage or injury you cause to others.
· Collision coverage – for damage to your vehicle from an accident.
· Comprehensive coverage – for damage from non-collision events (theft, fire, weather).
· Medical payments or personal injury protection (PIP) – for medical expenses regardless of fault.
· Uninsured/underinsured motorist coverage – for damages caused by drivers with insufficient or no insurance.
· Liability insurance covers damage or injuries you cause to others in an accident. It’s usually required by law.
· Collision coverage pays for repairs or replacement of your car if it’s damaged in a collision, regardless of who is at fault.
· Comprehensive coverage protects against non-collision-related incidents such as theft, vandalism, fire, falling objects, or natural disasters.
In many cases, yes. If you have comprehensive and collision coverage on your personal auto policy, it may extend to a rental car used for personal use. However, it’s best to confirm the specifics with your agent
Check for injuries – Call 911 immediately if anyone is hurt.
· Move to safety – If possible, move vehicles to a safe area to avoid further risk.
· Call the police – A police report can be crucial for insurance claims.
· Exchange information – Collect names, phone numbers, insurance details, license plate numbers, and driver's license info from all parties involved.
· Document the scene – Take photos of all vehicles, any damage, the surrounding area, and injuries if applicable.
· Avoid admitting fault – Stick to the facts when speaking to others or the police.
· Notify your insurance company – Report the accident as soon as possible. Provide all necessary details and documentation to begin the claims process.
Acting quickly and calmly helps protect your legal rights and supports a smoother claims experience.
Possibly. Insurance companies often review your driving record when renewing your policy. An at-fault accident or moving violation can lead to an increase in premiums. However, the impact can vary based on the severity of the incident, your previous driving history, and your insurer’s policies.
Yes, you can, and in most cases, you should. When a teen in your household begins driving, you are generally required to add them to your auto insurance policy. While this may increase your premium, many insurers offer good student discounts, driver safety program incentives, and multi-car discounts to help offset the cost.