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Auto insurance protects you against financial loss if you have an accident.

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A standard policy insures the home itself and the things you keep in it.

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Frequently Asked Questions

Below are some of our frequently asked questions. If you have any other questions or concerns, please feel free to contact us.

  1. How much liability car insurance should I buy?
  2. What is Personal Injury Protection (PIP) coverage?
  3. What is comprehensive coverage?
How much liability car insurance should I buy?
When deciding how much bodily injury liability coverage to buy, it's important to understand that this coverage protects your personal assets - your savings, your property and even your future earnings - if you cause an accident and are held legally liable for injuries to other people. This coverage will also pay for legal defense costs if you are sued. Similarly, property damage liability coverage pays for damage to property, such as another car, a mailbox or a streetlight, that results from the accident you caused. Legal defense costs are also covered if you are sued.

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What is Personal Injury Protection (PIP) coverage?
In a "no-fault" state, Personal Injury Protection is the basic coverage that pays for your own medical, hospital and funeral expenses, as well as those of your passengers and any pedestrians. Lost wages and other accident-related expenses may also be covered. PIP payments are not based on who is driving the car, nor who is at-fault for the accident. State laws vary considerably and there are very strict rules in each no-fault state for how much coverage is offered, how to file a PIP claim and what's covered.

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What is comprehensive coverage?

Comprehensive coverage is optional  protection. It covers damage to your vehicle from non-collision mishaps involving your vehicle, such as flood, fire, earthquakes, hail, animals, birds, falling trees and vandalism.

Of particular note, comprehensive coverage is the portion of protection that pays out if your car is stolen. Typically, it also covers windshield repair or replacement.

Unless excluded, comprehensive coverage pays you a check for your losses – less the comprehensive deductible – when such damages occur.

If the vehicle is leased or financed, comprehensive coverage is almost always required by the financing company.



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