Auto Insurance

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 The minimum liability insurance is the state minimum required by law that covers the 3rd person, or the person you hit. It covers $15K per injured person and $30K per accident. This is the maximum coverage regardless of how many persons are in the vehicle. $10K is the maximum amount paid to cover the damage to the vehicle or property. Liability limits can be increased. 

 This covers your vehicle for damages NOT caused by a collision (accident). If your vehicle is vandalized or flooded Comprehensive coverage applies. Your deductible is paid out of pocket before your company pays for the remaining balance. 

 This coverage will cover damage to your vehicle in any case that you are hit or you struck another vehicle or object. Your deductible is paid out of pocket before your company pays for the remaining balance. 

 When the other party at fault in an accident does not have insurance, the Uninsured Motorist will cover bodily injury of the named insured and passengers up to the limits selected that result from the accident. Underinsured Motorist is designed to cover bodily injury of the named insured and passengers in an accident where the other liable party’s limits don’t cover due to insufficient coverage. 

  Coverage that pays for necessary medical expenses resulting from an auto accident and can be used regardless of who is at fault. It pays only up to the coverage limit selected. 

 This coverage can only be used when there is a claim in process for either Comprehensive or Collision damage.
 

 This coverage provides towing when your vehicle is experiencing a mechanical or electrical breakdown, dead battery, flat tire, lockout, or insufficient fuel.