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Auto Insurance – FAQ

We offer a network of pre-screened, nationally-known, rental car companies that will provide free pickup and delivery, direct billing and an automatic deposit waiver (not available in all areas) while your vehicle is being repaired. Even in an accident at which you are at fault, Auto Rental Service provides service.

For most types of watercraft including bass boats, cruisers, fishing boats, pontoons, runabouts, sailboats, catamarans, utility boats and personal watercraft.

This insurance coverage has policy options that cover medical, legal, and property repair expenses for the injured party, whether it be you, your passengers, or the person you’re at fault for injuring.

What would happen if your business vehicle was stolen? What if an employee is injured while driving the company car? Business auto coverage usually includes both comprehensive and liability coverage to protect your vehicle against damages and to protect your business against liability losses.

Collectible Autos aren’t for everyday driving – they’re for the hobbyist.  A Collectible Auto is used mainly for exhibitions, club activities, parades and other functions of public interest. Here are some examples:
  • Antiques
  • Replicars
  • Muscle cars
  • Classics
  • Customs
  • Woodies
  • Exotics
  • Hot rods
  • Kit cars
  • Foreign and American sports cars

Owners of these vehicles put time, effort and usually a lot of money into their cars. It’s not just a standard vehicle and that’s why specialty insurance is so important. The Collectible Auto product is categorized into two programs: the Antique and Classic program and the Modified program. Although both types of vehicles are considered collectibles, they are very different by definition. Antique and Classic cars are considered collectibles because of their age and preservation. Modified cars are considered collectibles because of the modifications that were made to the car, altering it from its original condition.

Whether it’s icy roadways, a blind spot, or an uncontrolled intersection, Collision Coverage pays any amount more than your deductible to restore the damage done to your vehicle to factory new condition in the event of an accident.

While Collision Coverage is for accidents on the road, Comprehensive Auto insurance is for everything else that could damage your vehicle: fire, theft, floods, collision with an animal or bird, storms, riots, and earthquakes.

Who pays for the damage done to your vehicle? It actually depends. If you live in a no-fault state, your insurance will cover you. If you live in a fault state, the accident-causing party’s insurance will cover you. To learn more about your state’s requirements and how they affect you, please contact me at any time.

Enjoy convenient mobile response at your home, school, or wherever you are with 24/7 scheduling and a national lifetime warranty for as long as you own or lease a vehicle.

Coverage available for off-road vehicles such as dirt bikes, dune buggies, golf carts, ATVs (3-, 4- and 6-wheel)

On average 25% of drivers have no insurance and another 30% do not have enough insurance. Uninsured/Underinsured Motorist coverage provides liability coverage if an uninsured/underinsured motorist is at fault.

You never know when someone might get hurt in an accident. You could stand to lose a lot if you are at fault. Liability Coverage provides protection against financial loss.

Under this insurance, medical bills and funeral expenses are covered should you or a passenger be injured or killed in a vehicle accident. This coverage extends to you or a family member when riding as a passenger in someone else’s vehicle, or when struck by a vehicle when on foot.

It’s time to get out on the open road. Now more than ever, you may be likely to choose a home on four wheels rather than on a permanent foundation. It’s important to make sure that you and your home have the right protection no matter where you are.

For Class A, B and C motor homes, and all types of personal-use RVs including luxury motor coaches and vintage motor homes. Coverage also available for motor homes used as full-time residences.

 Insurance for the enhancements you make to your vehicle, such as a TV screen, a DVD player, or a custom sound system.
 PIP covers a broader range of medical costs than standard Medical Payments coverage. It covers lost wages and the replacement of the services of someone injured in an automobile accident.

Personal Watercraft for one, two, or four passenger machines, sit-on or stand-up models.

 Covers your liability for damaging another person’s personal property, such as a fence or home.
 From your helmet and jacket to boots and gloves, this coverage can replace expensive riding apparel should they get damaged in an accident.

Snowmobile coverage for many popular snowmobile makes and models, including both standard and high-performance sleds.

 24/7 tow, lock out, jump start, flat tire changes, fuel delivery, and roadside winching for snow, mud, and ice. Just sign and drive, with no out-of-pocket payments.

Serious about an auto quote?

Fill out our on-line auto worksheet so we can get started.

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