Automobile Insurance

Liability Coverage

Provides coverage for you or other insured persons if someone else is killed, or injured, or their property is damaged in an automobile incident.
It will pay for legitimate claims against you or other insured persons up to the limit of your coverage, and the cost of settling claims.

Accident Benefits

Accient Benefits provide benefits that you and other insured persons may be entitled to receive if injured or killed in an automobile accident.

These benefits include:
• income replacement for persons who have lost income
• payments to non-earners who suffer complete inability to carry on a normal life
• payment of care expenses to persons who cannot continue to act as a primary caregiver for a member of their household
• payment of medical, rehabilitation and attendant care expenses
• payment of certain other expenses; payment of funeral expenses
• payments to survivors of a person who is killed

You may also purchase optional benefits to increase the standard level of benefits provided in your policy

Collision Coverage

Covers damage when a described automobile is involved in a collision with another object/vehicle or tips over

Comprehensive Coverage

Covers a described automobile against loss or damage other than those covered by Collision or Upset, including perils listed under Specified Perils. For example, this would cover you for damage to your auto caused by fire, theft, windstorm or hail, falling or flying objects, and vandalism.

Rental Car Coverage

If you are involved in a collision, you may need access to a rental car while you vehicle is being repaired or replaced. Rental Car coverage can be added to your policy that would provide coverage for a substitute auto following an insured claim. Ask about adding this endorsement to your policy today.

Waiver of Depreciation

If you have a newer vehicle, it may be possible to add this endorsement to your policy. This endorsement effectively removes depreciation, meaning that in the event of a total loss you will receive either a payout exactly to what you paid for the auto new, or the insurance company will replace your auto with a new vehicle same make and model. This optional endorsement varies by insurer, so be sure to contact us for details or to add this to your policy.

Accident Forgiveness

If you add this endorsement to your policy, the first at fault accident will not count against you with your insurance company. One aspect of this endorsement to be careful with is the fact that the forgiveness does not transfer between insurance companies.

If you install 4 winter tires from the months of November to April, you may be eligible for a winter tire discount of up to 5%. Please contact us to discuss how we can take advantage of this discount.

Some companies will offer discounts if you allow them to install a telematics device in your auto. This device will record your driving habits and apply discounts based on your specific driving style. You can receive a discount when you install the device, then up to 25% in discounts depending on your driving style. Please contact us if you would like to enroll in a telematics program.

You may be eligible for the Multi-Vehicle Discount which could save you up to 15% on your auto insurance, as well as up to 15% for the other autos in the household. Please contact us to discuss how we can take advantage of this discount.

You may be interested in raising your deductibles to reduce your premium. Please contact us to discuss this and other cost saving options.