Auto Insurance

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.

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!