Whether insuring the family automobile, or a fleet of company vehicles, we will take the time to find the policy that best suites your individual needs for the best price. We'd love an opportunity to sit down and discuss the specifics of your situation and provide a detailed quote.
The liability coverage provides protection against legal liability arising out of the ownership or operation of an automobile. The insuring agreement agrees to pay damages for bodily injury or property damage for which the insured is legally responsible because of an automobile accident. The liability limit can be written as a single limit that applies to both bodily injury and property damage. The policy can also be written with split limits in which the limits of insurance for bodily injury and property damage are stated separately.The insuring agreement also states that in addition to the payment of damages for which the insured is legally liable, the insurer also agrees to defend the insured for all legal defense costs. The defense cost is in addition to the policy limits.
Along with liability protection, the most common coverages found in the policy are:
• Medical Payments
• Uninsured & Underinsured Motorists
• Non-owned & Hired Auto Liability and Physical Damage
• Physical Damage for Owned Autos – Comprehensive & Collision
• Rental Reimbursement
• Towing & Labor