Auto Insurance

 Most policies offer:

• Liability coverage – helps cover costs if you’re responsible for an accident that causes injury or property damage.
• Collision coverage – pays to repair or replace your car if it’s damaged in a crash.
• Comprehensive coverage – protects against theft, fire, vandalism, hail, or other non-collision events.
• Medical payments coverage – helps cover medical costs for you and your passengers after an accident.
• Uninsured/underinsured motorist coverage – helps protect you if you’re hit by a driver with little or no insurance.

 Yes. You may add extra protection such as:

• Roadside assistance for towing, lockouts, and jump starts.
• Rental reimbursement to help with rental car costs while yours is being repaired.
• Gap coverage to cover the difference between your loan/lease balance and your vehicle’s value if it’s totaled.
• Personal umbrella policy for additional liability protection.

 Rates are based on factors such as your driving record, the type and age of your vehicle, where you live, your chosen coverages, and the discounts you qualify for. 

 Yes. Common discounts include safe driver savings, multi-policy bundling, good student discounts, new car discounts, and savings for vehicles with anti-theft devices or safety features. 

 In many cases, yes. If someone has your permission to use your vehicle, your policy may extend coverage to them as a permissive driver. 

 You can typically file a claim online, through a mobile app, or by contacting your agent. Once submitted, a claims representative will guide you through the process and help with repairs or payments.