Multiple Carriers Available
Vehicle Coverage
Coverages
-
The liability coverage protects people against claims made by other people because they were injured or their property was damaged in an accident involving an insured. Liability claims become very large when major injuries are involved.
-
Medical payments coverage protects occupants of an insured vehicle by covering their medical bills if they are injured in an accident.
-
Physical damage coverage—“comprehensive and collision” coverages—protects a vehicle owner against the expenses involved in repairing a damaged auto.
-
Uninsured motorists coverage protects people against financial loss when they must pay for their own medical bills because the driver of the car that injured them had no insurance.
Additional Coverages
-
Personal injury protection
-
Rental Reimbursement
-
Roadside assistance
-
Medical Payments
Frequently Asked Questions
Does Insurance Protect Cars or Drivers?
Drivers typically think of their car insurance in terms of insuring their cars, not insuring the people who use them. Auto insurance doesn’t protect cars. Auto insurance protects people. It protects people against financial losses that can result when they own, maintain, or use a motor vehicle. A PAP (personal auto policy) has four main coverages and a number of additional coverages. All of them serve different functions in protecting people against financial losses.
-
The liability coverage protects people against claims made by other people because they were injured or their property was damaged in an accident involving an insured. Liability claims become very large when major injuries are involved.
-
Medical payments coverage protects occupants of an insured vehicle by covering their medical bills if they are injured in an accident.
-
Physical damage coverage—“comprehensive and collision” coverages—protects a vehicle owner against the expenses involved in repairing a damaged auto.
-
Uninsured motorists coverage protects people against financial loss when they must pay for their own medical bills because the driver of the car that injured them had no insurance.
Can Drivers Who Don’t Own a Car Buy Insurance?
-
PAP (personal auto insurance policy) can provide coverage for a named individual or resident spouse who does not own an auto but who may operate rented or borrowed automobiles. This is accomplished via the Named Non-Owner Coverage (PP 03 22) endorsement.
-
Before you buy insurance, your local independent agent will ask some pretty basic questions to get you the right coverage at the right price.
-
Then, you’ll have some options when picking coverage.
-
We will run quotes with multiple carriers to find the best policy to fit your needs at a price that fits your budget!
Insurance for your autos and toys!
Watercraft
Get the coverage more than
1 million boatowners enjoy
Small Accident Forgiveness:
If you have a claim that costs $500 or less, your premium will not increase.
Large Accident Forgiveness:
If you’ve been with us for at least four years and haven’t filed a claim in the last three years, we won’t count an accident against you at your next renewal.
Sign & Glide®:
On-water Towing If you break down, we’ll pay for an on-water tow as well as jump starts, fuel delivery, disentanglements, and soft ungrounding.
No depreciation on partial losses:
We’ll provide full compensation for parts (not the depreciated value) so you can get back on the water fast.
Share the big news
Have you opened a new location, redesigned your shop, or added a new product or service? Don't keep it to yourself, let folks know.
Perpetual Agreed Value:
Once we agree on a value for the boat, we’ll never ask you to revalue your boat no matter how old it gets.