kim character

Auto Insurance

Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.

Auto insurance provides property, liability and medical coverage:

  • Property coverage pays for damage to someone else's property.
  • Liability coverage pays for your legal responsibility to others for bodily injury.
  • Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements.

I want to give you personalized service that perfectly meets your needs while keeping your costs as low as possible. The best way to do this is to have a conversation. Let's talk soon!

Schedule a Conversation Auto Quote Questionnaire Refer a Friend

Research shows that 11% of you will want to read more before scheduling a call. If that's you, I have listed all the FAQ's below. Just scroll down and read to your heart's content.


1The five parts of an auto policy
Your auto policy may include all 6 coverages or some of them. Each coverage is priced separately.
2Bodily Injury Liability
For injuries the policyholder causes to someone else.
3Property Damage Liability
For damage the policyholder caused to someone else property.tor
4Personal Injury Protection (PIP)
For treatment of injuries to the driver and passengers of the policyholder's car. At its broadest, PIP can cover medical payments, lost wages and the cost of replacing services normally performed by someone injured in an auto accident.
5Uninsured/Underinsured Motorist Coverage
For treatment of policyholder's injuries as a result of collision with an uninsured driver. Underinsured motorist coverage can also be included in an auto policy. Under insured motorist coverage comes into play when an at-fault driver has auto liability insurance, but the limit of insurance is inadequate to pay for your damages.
For damage to the policyholder's car that doesn't involve a collision with another car. Covered risks include fire, theft, hail, vandalism, falling objects, missiles, explosion, earthquake, flood, riot and civil commotion.
For damage to the policyholder's car from a collision. The collision could be with another car, a light post, fire hydrant or cover a hit and run.