Personal Automobile Protection
To properly protect yourself from the always present danger of huge awards for auto liability, it is imperative that you maintain the proper level of coverage for your particular situation. If you have any doubts about the appropriate level of automobile coverage that's right for you, we have excellent plans available through reputable auto insurers, and we will be happy to help pinpoint the coverages best suited to your needs.

Compulsory Auto Policy Coverages:

• Bodily Injury to Others
• Personal Injury Protection
• Bodily Injury Caused by Uninsured Auto
• Damage to Someone Else's Property

Optional Coverages:

• Optional Bodily Injury to Others
• Medical Payments
• Collision
• Comprehensive
• Substitute Transportation
• Towing and Labor
• Bodily Injury Caused by an Underinsured Auto
• SR-22's

Uninsured Motorist Coverage
Uninsured and underinsured motorist coverage protections are a very important part of your policy. One of the best pieces of auto insurance advice we can give is this:

!!!Make sure you carry these two coverages!!!

How important are they? Around 14% of all drivers have no auto insurance coverage. If you're injured in an accident caused by one of these drivers, you won't be reimbursed without this coverage.

And unlike medical coverage, uninsured and underinsured motorist coverage will compensate you for not only the out-of-pocket expense of your injuries, but for your pain and suffering as well. That's why these two types of insurance are so important.

How much uninsured and underinsured motorist coverage do you need? Consider carrying the same limits as your liability coverage.

After all, it makes sense to protect yourself and your family as much as you protect other drivers on the road.


Medical Payments Coverage
Medical payments coverage, also called personal injury protection, or PIP, covers the cost of injuries to you, your family, and your passengers. Sounds like a good idea, right?

Often it's not.

Medical payments coverage can be useless and costly. Why? First off, if you have good health insurance, you don't need PIP. Your health policy should pay for treatment of injuries from a car accident, and it will probably cover more than a PIP policy would.

Secondly, PIP is limited. It pays for a trip to the hospital caused by an automobile. But it doesn't cover any other trip to the hospital. See the problem? You're better off putting your money toward a good heath policy. That way you'll be covered no matter what sent you to the hospital.

But, if you have a passenger in your vehicle that is injured in an accident with an uninsured motorist, your passengers could sue you if you don't have med pay to cover there injuries.

Click Her for Frequently Asked Questions regarding this type of insurance.

Click Her for a glossary of insurance terms.

Contact us today for more information about Auto Insurance.