Personal automobile insurance is a complicated area within the insurance industry.
In many states, the personal automobile insurance area is regulated by one or more state government agencies.
As a result, the actual provisions of a personal auto policy may vary from state to state, company to company, and even policy to policy. It is, therefore, very important for you to read your policy carefully and ask questions of your agent.
A typical personal automobile insurance policy may provide one or more of the following types of basic coverages.
Bodily Injury Liability -covers accidental injury or death of another person if caused by an insured person in an automobile related accident
Property Damage Liability -covers accidental damage to other people's property if caused by an insured person in an automobile related accident
Collision - covers damage to your auto in an accident, regardless of who is at fault
Comprehensive - covers damage to your auto against damage from several perils, such as fire, theft, vandalism, falling objects, and glass breakage
Medical Payments -covers you and your family in any auto, and anyone riding in your auto, for medical expenses resulting from an accident
Defense Costs -covers court costs, legal expenses and attorney's fees arising out of an automobile related accident
Uninsured/Underinsured Motorist -Covers injury and damage, under certain circumstances, arising out of an automobile related accident involving a uninsured or underinsured driver.
Special insurance programs are also available to insure that valuable collector or antique automobile! Please contact one of our agents for more information on this important insurance product.
Many insurers lead you to believe that discussing personal auto insurance with an inexperienced telemarketer is a quality substitute for a local, personal insurance agent. Let the staff at Three Rivers Insurance show you a better way to purchase automobile insurance. With our many years of experience in the insurance business, we can prove that there is no substitute for a caring, informed local insurance agent. Call or email our agency to find out what coverages and policies best fit your needs. Three Rivers Insurance can tailor the coverages to fit your unique situation. As an independent agent, we can access insurance products from a number of reputable companies. Give us a call today!