YOU NEED TO BUY CAR INSURANCE.NOW WHAT?
AUTO INSURANCE BASICS

Before you buy insurance, your local independent agent will ask some pretty basic questions to get the right coverage for your need at the right price. Then, you’ll have some options when picking coverages.

Our Coverages

Liability Coverage in case you injure someone or damage someone’s property in an accident. When you buy liability, you choose a limit—this represents the maximum amount we’ll pay for a liability claim.

Collision* Coverage to repair damage to your car when you hit, or are hit by, another vehicle or object, regardless of who’s at fault.

Comprehensive* Coverage to repair damage to your car that’s caused by something other than a collision, such as fire, theft, vandalism, hail, flooding or hitting an animal. For collision and comprehensive, you choose a deductible—typically $250 or $500.

* While collision and comprehensive aren’t required by law, your bank may require them if you finance or lease your car.

Comprehensive coverage also includes:
 
Uninsured Motorist Property Damage (UMPD) - Repair damage to your vehicle caused by a driver who doesn’t have car insurance.

Uninsured/Underinsured / Motorist Bodily Injury (UMBI) - Your medical expenses, lost wages, and other damages when you’re hurt in an accident caused by a driver who has insufficient
or no insurance.

Medpay (or Medical Payments) - The cost of reasonable and necessary medical care you get as the result of an accident, regardless of who’s at fault.Coverage We Cover/Pay

Personal Injury Protection (PIP) - For medical bills and—in some states—other living expenses while you heal if you’re unable to work because of an accident, no matter who’s at fault.

Rental Reimbursement - Your rental car while your car is being repaired as part of a comprehensive or collision claim.

Roadside Assistance - For repairs or towing when your vehicle breaks down due to mechanical or electrical issues, a dead battery, or a flat tire; you’re locked out of your car; your vehicle runs out of gas; or your vehicle gets stuck in the snow or mud.

Loan/Lease Payoff (or Gap Insurance) - If your vehicle is declared a total loss, we pay up to 25% over the actual cash value towards any additional loan/lease amount you owe the lender.