Are You Covered ?

What Is Under Insured Motorist?

Uninsured/Underinsured Motorist Coverage is for accidents when the other driver is at fault and does not have insurance or does not have enough insurance. 

• Bodily injury coverage pays medical expenses for you and passengers.

• Property damage coverage pays the cost of repairs to your car up to $3,500.
  Bodily injury liability pays for bodily injury you cause someone else.

What is the difference between Uninsured and underinsured Motorist ?

Uninsured motorist coverage protects you if you're hit by a driver who has no auto insurance. Underinsured motorist coverage, which is usually offered alongside uninsured motorist coverage, protects you if you're hit by a driver who doesn't have enough coverage to pay for the damages or injuries they caused. Both coverages are mandatory in many states and highly recommended for all drivers

Do you have car rental reimbursement coverage on your policy?

Rental reimbursement coverage pays for a replacement car while yours is in the shop after an accident. Do not rely on the other person having rental coverage to cover you and do not

Collision coverage

Collision coverage is an insurance option that pays for the cost of repairs to your car even if you’re responsible for an accident. Collision coverage has a close relative called comprehensive coverage, and it covers oddities like floods and theft.

Do you have medical coverage?

Medical payments coverage, also known as MedPay, is an additional coverage option for auto insurance policies in most states. In the event of a car accident, this coverage can help pay for medical expenses for you or your passengers, even if you're at fault.

Before you sign anything!

Take time to review your application before you sign it.

• Do not sign any forms that you do not understand.

• Do not sign any blank forms.

• Ask for copies of all forms and other documents for your records before you leave the office of the agent, broker, or insurance company.

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