Coverage Types
Collision
Collision coverage pays for damage to your vehicle caused by the colliding of two or more objects. The basic policy pays up to the actual cash value of the insured vehicle at the time of loss.
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Customizing Coverage
The need for customizing coverage varies greatly from insurer to insurer. While the industry standard policy provides customizing coverage for all vehicles except pickups or vans, some insurers exclude customizing for all vehicles. Still others may include a small amount, perhaps $1,000. Examples of customizing include, but are not limited to the following: conversion packages, chrome wheels, special paint or lettering, truck caps and running boards. If you have any non-factory items installed in your car, truck or van, please advise your insurance professional so appropriate coverage can be put into place.
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Electronic Equipment Coverage (Non-factory)
While the basic auto policy already includes coverage for factory electronic equipment, there is still a need to add coverage for equipment that is installed in a location other than the manufacturer’s designed location. We are able to endorse the basic auto policy to cover this non-factory equipment, including items such as stereos, amplifiers, tape players, compact discs, radar detectors, and mobile phones.
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Liability
The importance of selecting the right amount of coverage cannot be understated. The law requires the responsible party to make restitution for damages in the form of cash payments. If you do not have enough insurance to pay for the judgment against you, you will be personally responsible to pay the excess amount out of your own pocket. If you are unable to do that from your current earnings then a judgment against your future earnings may be assessed.
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Loan/Lease Gap Coverage
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Medical Payments
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Other than Collision (Comprehensive)
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Rental Reimbursement
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Towing and Labor
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Uninsured and Underinsured Motorists
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Uninsured Motorist Property Damage
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