Collision
Covers the cost of repairing or replacing your vehicle when you’re involved in an accident.
Comprehensive
Pays for damages to your car caused by factors other than collision, such as fire, vandalism, weather, theft, accident with an animal, etc.
Liability
Bodily Injury, Property Damage, Uninsured Motorist and Underinsured Motorist are just a few of the liability coverages offered.
Coverage for Newly-Acquired Autos
Coverage automatically extends to recently purchased vehicles.
Medical Payments and Personal Injury Protection
These two coverages will pay for medical expenses, hospitalization and rehabilitation expenses resulting from injury to the insured or a family member.
Road Trouble Service
If you’re stranded on the road due to a flat tire, minor mechanical malfunction or a dead battery, we will provide the service you need.
Additional Expense
When you can’t use your vehicle due to an accident, the additional expenses can add up fast. This coverage helps pay for a rental car.
Optional Coverages
Any Auto Liability
Provides liability for any vehicle used in your business. Includes owned, leased, hired, rented or borrowed vehicles.
Hired Auto Liability
Provides liability for vehicles you hire, rent, lease or borrow.
Hired Auto Physical Damage
Provides Comprehensive and Collision coverage for autos you hire, rent, lease or borrow.
Non-Owned Autos Liability
Provides liability coverage when employees use their own vehicles for your business.
Diminished Value
Covers any real or perceived reduction in market value when a vehicle is repaired after an accident.
Broadened Coverage for Named Individuals
Provides coverage to an auto you do not own, similar to what is provided under a Personal Auto policy. This is important if you are insuring your business and your personal auto liability on the same policy.
Loan Gap/Lease Gap
The second you purchase a car and drive it off the lot, the vehicle begins to lose value. If your vehicle is totaled in a car accident, you will owe the difference between the car’s value and loan balance. The Loan/Lease Gap Coverage offered by many insurance carriers will cover this gap if purchased.
