Vehicle insurance
When driving, your family and your peace of mind are riding on those wheels. Choosing the right auto insurance can help protect you from the risks associated with the road. Auto insurance includes four coverage categories designed to protect you from financial loss incured due to accidents:
- Liability coverage pays your legal responsibility to others for bodily injury or property damage.
- Uninsured /Under insured Motorist
- Medical coverage pays for the cost of rehabilitation, treating of injuries and sometimes lost wages and funeral expenses.
- Property coverage pays for damages or theft of your car.
This coverage helps protect you in an auto accident from the damages done to the other driver’s property, including bodily injury.
Uninsured Motorist Coverage
When the other driver is legally responsible for an accident but has insufficient car insurance coverage to cover the expenses for injuries to you, your family members or passengers.
Medical Payment Coverage
This covers you, your family members and any other passengers in your car for necessary medical and dental services due to bodily injury caused by an auto accident.
Comprehensive insurance
Typical scenarios where Comprehensive coverage applies include: breakage of glass, falling objects, fire, theft, windstorm, hail, water, flood, malicious mischief, vandalism, or impact with an animal.
Collision coverage
Collision coverage pays for damage to your vehicle caused by any accidental impact with another vehicle or object.
Uninsured/Underinsured Motorist (UM/UIM)
Will cover your injuries and damages when the person at fault for an accident doesn’t have insurance or doesn’t have enough insurance.
Medical Payments
Covers the cost of necessary medical care you receive as the result of a motorcycle accident and can be used regardless of who is at fault. In some states, MedPay only applies after other medical insurance is exhausted.
Custom Parts & Equipment
When you purchase Comprehensive or Collision, additional Accessory coverage can be purchased to cover custom parts that exceed the included value.
Roadside Assistance
Roadside Assistance will pay for towing to the nearest qualified repair facility. Roadside Assistance also covers necessary labor costs at the place of breakdown when your motorcycle or off road vehicle is disabled due to any of the following:
- Mechanical or electrical breakdown
- Dead battery
- Flat tire
- Lockout
- Insufficient supply of fuel, oil, water, or other fluids
- Entrapment in snow, mud, water, or sand