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AUTO INSURANCE
We offer broad, flexible protection for your automobile and you through insurance companies that have a reputation for competitive products and excellent service.
It is imperative that you carry adequate liability limits to protect you in the event of an accident, we recommend at least $500,000 for bodily injury and $100,000 for property damage liability. Uninsured and underinsured motorists coverage protects | |
you and your family and the coverage should be the same as your liability limits. Medical payments coverage should be at least $10,000 per person.
Most financial advisors suggest that you carry as high a deductible for damage to your car as you can safely afford, generally $250, $500 or $1,000 deductible.
Comprehensive, or other than collision, coverage provides coverage for damage to your car from fire, theft, vandalism, glass breakage and deer damage plus other perils not specifically excluded in the policy. Keep in mind that most companies waive your deductible if you get a stone chip in the windshield that can be repaired. If you get a stone chip, or even a small crack, call your insurance company right away so you can get it repaired, which usually keeps it from spreading.
Collision coverage applies to any moving accident, other than an animal collision. If you swerve to miss a deer and hit a tree, you end up with a chargeable accident and usually a higher deductible to pay. This could also end up causing bodily injuries to you and/or your passengers.
Other available coverages are: car rental, road service and loan pay off protection. |
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