Auto Insurance 101

Why do I need auto insurance?
Whether you're buying your first car or your teenager is just about to get behind the wheel, there are plenty of reasons to purchase car insurance. You want to protect the people and things that are important to you.
Auto insurance can help:

• Safeguard your investment in your automobile
• Pay for medical expenses in case of an accident
• Provide financial protection from lawsuits
• Cover losses caused by uninsured or underinsured drivers
• Pay for damage due to theft, vandalism, or natural disasters

What are my coverage options?

• Liability Coverage: typically helps protect you for damages to others if you're at fault in a covered accident.
• Medical Payments Coverage: typically helps provide payment for your reasonable and necessary medical treatment for bodily injury caused by a covered accident.
• Underinsured/Uninsured Motorists Coverage: typically helps protect you for covered damage caused by drivers who don't have auto insurance or don't carry enough auto insurance.
• Personal Injury Protection
  
  
Protect your car
• Collision Coverage: typically helps pay to repair or replace your insured car after a covered accident.
• Comprehensive Coverage: typically helps pay for covered damages to your insured car resulting from a peril other than a collision, such as theft, windstorm or flood, and glass...just to name a few.

1. What is "Uninsured Motorist" coverage?
   This is your protection against someone getting in an accident with you who does not have insurance.
   
   
2. How do I choose the right coverage for me and my family?
   As income increases your insurance needs will change. Your exposure to lawsuits due to some measure of negligence on your part or your family requires coverage to protect your hard earned assest. Specfic amounts depends on your tolerance for risk as well as actual annual earnings as well as assests. Sitting down with an agent can give you the specifics.



3. Why should I choose your company instead of the "big name" firms?
   While price and ease of use is high on everyone's priority list, having an agent you can trust might be higher. The time of crisis is a time your agent earns the trust of his client.