Auto Insurance
States
require all registered motor vehicles to be insured for liability,
first party benefits/personal injury protection
(PIP) and uninsured motorist coverage. Collision, comprehensive and other
coverage is optional.
Liability coverage pays for injuries to other people (bodily
injury liability) or damages to their property (property damage liability)
if you are responsible for their losses.
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First Party Benefits/Personal Injury Protection (PIP)
eliminates the need for an auto accident victim to seek legal action to recover
medical expenses. First Party Benefits/PIP pays all reasonable medical expenses up to a certain limit per person per accident, regardless of who is at fault for an auto accident.
Uninsured Motorist coverage protects you against other drivers who have no
insurance and are legally responsible for injuries to you, your passengers or
resident relatives or for damages to your vehicle or its contents.
Underinsured Motorist coverage provides you with protection
against drivers who have liability insurance with low limits. If you are
involved in an accident caused by an underinsured driver, this coverage will pay
for damages up to the difference between your underinsured motorist coverage
limit and the other driver's liability coverage limits.
Collision coverage pays for damage to your vehicle caused by
your vehicle striking objects such as other cars, trees or telephone poles, or
for the vehicle overturning, or for other moving objects hitting your vehicle.
Comprehensive coverage pays for nearly every other kind of
damage to your vehicle, such as fire, theft, flood, vandalism or contact with a
bird or animal
You may purchase other optional coverage such as additional First Party
Benefits/PIP, towing and rental reimbursement. Be sure to ask us about the
availability of these coverages.