Auto Insurance Made Easy
An auto insurance policy provides financial protection if you injure someone or his/her property in an accident. Laws in many states require that you have auto insurance to operate a motor vehicle.
Auto Insurance Basics
Collision Coverage
Covers your vehicle if you are in an accident. This coverage is intended to repair your vehicle to the condition it was in before the accident.
Comprehensive Coverage
Covers your vehicle if it is stolen or sustains damage from something other than an accident – such as a hailstorm, vandalism, or hitting an animal.
Liability Insurance
Covers a claim against you for damage that you caused by hitting someone or their property. Required in most states.
Uninsured Motorist Coverage
Protects you if someone without auto insurance hits you, covering your medical expenses and vehicle damage.
Medical Payments (Med Pay)
Covers medical, surgical and funeral expenses for you and passengers in your vehicle if you have an accident.
Personal Injury Protection (PIP)
Covers expenses for you and others if you have an accident. This is the basic coverage in some states with No-Fault Automobile Insurance.
Rental Reimbursement
Covers the cost of a rental car while your vehicle is being repaired as a result of a covered loss.
Deductible
The amount you pay toward a loss under collision and comprehensive coverage. This amount is paid first, before your insurance policy provides coverage.
Understanding Limits
Limit refers to the amount of insurance you purchase and the maximum coverage that would be paid on a claim. For example, 50,000/100,000 limits of liability cover $50,000 per person and $100,000 per incident.
To Purchase a Policy
Contact an independent agent or broker to discuss the coverages that are best for you. To complete an application, you will need:
If Your Circumstances Change
It’s important to call your agent or broker if:
If You Are In An Accident
Stay at the accident location and do not admit fault.
Report the accident to local law enforcement.
Get the other driver’s name, contact info, and insurance details.
Call us at 1-800-942-0904 to report your claim.
Do not discuss details of the accident with anyone except the police and your claims representative.
Ready to Get Protected?
Contact an independent agent to discuss the coverages that are best for you.
Contact an AgentOr call 1-800-942-0904
Not all coverage options are available in all states.