Auto Insurance Coverage


In today's environment many people find out, after they are involved in an accident, that they were not adequately insured. Due to the high cost of vehicles and vehicle repairs, as well as high medical costs you may be underinsured. Your auto policy will provide coverage for both but only up to you policy limits. We would be happy to review your auto insurance policy and discuss your options with you. The basic coverages offered in an auto policy are:

Bodily Injury Liability 

This is coverage for your liability for injuries you cause to other people. It is most times written as “split limits” (250/500/100). The numbers represent “thousands”.

  • The first number is the policy limit “per person” your policy will pay per accident for bodily injury. In this example $250,000.
  • The second number is the policy limit “per accident” your policy will pay to 2 or more people involved for bodily injury. In this example $500,000.
  • The third number represents the maximum amount your auto policy will pay for damage to property of others. In this example $100,000.

Uninsured & Uninsured Mortorist

This coverage protects you if you are involved in an accident, caused by someone who does not have insurance or does not have sufficient insurance to cover your injuries or damages. It also it written as “split limits”. This coverage is very beneficial and typically reasonably priced.


This coverage repairs or replaces your vehicle in the event of damage from situations excluding accidents. Some examples are fire, theft, vandalism, hail, and others defined in your policy. This coverage can be written with or without a deductible (the amount you pay out of pocket per loss) in most cases.


This coverage repairs or replaces your vehicle in the event it is damaged in a accident in which you were at-fault. This coverage offers many different deductible limits, which will change the premium. We would be happy to discuss many deductible options with you to see what fits your needs.

Rental Reimbursement

This coverage provides a rental car, up to policy limits, for you while your car is being repaired due to damage from a covered loss.

Antique Auto Coverage

Classic Auto Coverage is a little different than your standard auto policy. You want to make sure your investment is fully insured. The first step is to set a value for your automobile, and then you need a policy that guarantees it. In the event of a total loss, you do not want to find you have inadequate coverage. We offer a policy that is a “Guaranteed Value”, it pays the stated amount. Whether you have several collector cars, or you are in the process of restoring a vehicle, we can meet your needs with a collector car policy from Hagerty. They are the most highly recognized name in the Collector Car Insurance business. Call us to obtain your free quote or simply click this Hagerty link to get your individual quote.