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Personal Automobile Insurance

In terms of laws and insurance, a great deal of attention is directed towards the automobile. Generally, automobile insurance is purchased:

  • To protect an individual’s or organization’s assets from legal obligations arising from the ownership, maintenance, or use of an automobile;
  • To assist in the payment of medical bills for bodily injury as a result of an automobile accident;
  • To provide coverage to an individual when injured by a person that does not have insurance or assets to compensate for damages;
  • To protect a major, valuable asset (an automobile) of an individual or organization.

The Personal Auto Policy (PAP) is the most common way for drivers to protect themselves from the financial consequences of injuring other people and/or damaging other’s property, as well as their own injuries and own property damage.
There are 4 main coverages to consider as part of your auto policy:
Part A: Liability Coverage
The most common auto liability exposure comes from your legal obligation to others from an auto accident.
Part B: Medical Payments Coverage
Also known as Med Pay, this covers reasonable and necessary medical expenses and funeral services of an insured if they suffer bodily injury during an accident.
Part C: Uninsured Motorist Coverage
This coverage protects insureds from at-fault owners or drivers of other vehicles who do not have insurance or the assets to compensate them. Also part of this coverage is Underinsured Motorist Coverage, the purpose of which is to protect you in the event that the owner or driver an at-fault vehicle has inadequate limits on their policy.
Part D: Coverage for Damage to Your Auto
This is also called Physical Damage Coverage. This section pays for damages to your automobile.
Not all Personal Auto policies are created equal. You need to consider the limitations, exclusions, and various provisions of your.

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