Auto Insurance

The first part of the policy is Bodily Injury.  It covers your liability for another person's injuries if you are at fault.  There are commonly two parts to this limit: a per-person limit and a per-accident limit.  We can help you know how high your limit should be, based on your income and other factors.

The second part of the policy is Property Damage.  It covers your liability for another person's damaged property, like the other car in an at-fault accident.  There is commonly one per-accident limit.  Consider the cost of a Lexus or a Tesla: if you cause one to be totaled, is your limit high enough?

This part of the policy is often overlooked.  It covers you for your injuries if you get hit by an Uninsured or Underinsured driver.  Even if you have health insurance, you may want to carry higher limits here because they're inexpensive and your health policy may require you to claim on your auto policy first.

Here is where we start to cover your car.  Comprehensive (or Other Than Collision) coverage pays to repair or replace your car after a weather related loss, theft, vandalism, or collision with an animal.  A deductible applies, and full safety glass coverage is usually available too.

Collision covers your car if you're at fault for the accident.  A deductible applies, and it pays to repair or replace your car (depending on the extent of the damage).  Not sure if your older car should have this?  We can help you figure that out, too.

Can you get by without your car or truck?  If you have other autos you could drive, you may not need this coverage.  But it does come in handy if you would need a rental car after an at-fault accident.  There is commonly a per-day and per-accident limit.