There are many auto insurance coverage options to protect you, your car and others. So you can choose the car insurance that is right for you.

Auto insurance coverage to protect your car:

  • Comprehensive coverage
  • Collision coverage
  • Towing and labor
  • Rental reimbursement

 Auto insurance coverage to protect you and others: 

  • Injury and property damage
  • Medical expenses
  • Uninsured/underinsured (UM)
  • Personal injury protection (PIP) 

Learn more about car insurance coverage

  Liability coverage

Liability covers bodily injury to others and property damage to others if you are at fault in an accident. Bodily injury pays others medical costs. It can also pay injured parties lost wages and your legal expenses. Property damage coverage can also pay for your legal expenses if a lawsuit is brought against you due to an accident.

Comprehensive coverage

Helps pay for damage to your vehicle not caused by collision. Examples include: damage or loss due to theft, vandalism, falling objects, fire, storms, flood and certain other natural disasters.

Collision coverage

Helps pay for damage to your vehicle if you hit another vehicle, another vehicle hits you, or your vehicle rolls over. Collision coverage can be required if your vehicle is financed or leased.

Uninsured/underinsured motorist coverage (UM)

Helps pay for damages to your vehicle if it is damaged in an accident by an underinsured, uninsured or unidentified driver. UM coverage also helps pay your medical costs and your passengers medical costs if an accident caused by an uninsured or underinsured driver results in injury.  UM coverage may also be stackable.  This means that you can combine the coverage limits for each automobile insured under your policy.

Medical Payments

Helps pay medical costs for you and your passengers in the event of an accident, regardless of who is at fault.

Rental reimbursement

Helps pay for your rental car or other transportation if your car cannot be driven due to an at-fault accident or comprehensive claim.

Towing and labor

Reimburses for towing and roadside assistance charges if an insured vehicle is disabled. Typical services include: battery jump-starting, tire changing and locksmith services.

Personal Injury Protection (PIP)

Eligible injured parties, including passengers, are entitled to reimbursement of 60% of their verifiable wages and 80% of their reasonable and necessary medical expenses incurred as a result of a covered auto accident.

There are many options to choose from, and the above is only a brief description of coverages that may be available, your policy will ultimately determine the coverages that you have. 

All policies have exclusions and limitations, you must consult your policy for specific details about your coverage.  Please contact our office for a "second opinion" on your auto insurance.  We would be happy to discuss your options in greater detail.


     Phone: (407) 293-1009 or (863) 293-5400 or e-mail: