Automotive Coverages

• Auto / Car
• Motorcycles
• RV's
• Boats
• Antique Cars

PERSONAL CAR / AUTO

Buying Auto Insurance

For most of us, our cars are one of the biggest investments we make, and to experience a loss
could be financially devastating. Auto insurance can cover more than just the repairs on your
vehicle. Depending on the coverage you choose, your insurance can:
    •  Cover medical expenses associated with an accident.
    •  Pay for losses caused by underinsured or uninsured drivers
    •  Reimburse you for damages suffered because of vandalism, natural disasters or theft
    •  Pay for legal representation in case of a lawsuit.

Understanding Auto Insurance Terms

Every auto policy offers certain coverages. Often times the terms may be confusing to all but insurance professionals. Here is a quick reference guide for the terms that are most commonly used. However, you should read your own policy carefully. If you do not understand any aspect of your policy, take the time to review it with your agent.

Required Coverages

Bodily Injury: If you injure someone in a car accident, this coverage pays that person's medical and other expenses and any damages for which they may sue you.

Property Damage Liability: If you are at fault in an accident and you damage someone else's property, this coverage pays to fix it.

Medical Benefits:  This coverage pays medical bills for you and others covered on your policy, no matter who was at fault in the accident.

Personal Injury Protection: An extension of car insurance available in some states that covers medical expenses and, in some cases, lost wages and other damages. PIP pays off regardless of who is at fault and is mandatory in some states, especially those with "no-fault" laws.

Uninsured/Underinsured Motorist:  If you are injured in an accident and the person who hits you doesn't have enough insurance, this coverage will pay for your losses and damages, including your medical bills, lost wages and pain and suffering. It usually makes sense to purchase the same level of this coverage that you have for bodily injury liability.

Stacking/Unstacking:  The application of limits of more than one policy when multiple policies apply to a covered loss. In Pennsylvania, UM stacking means combining the limits of all of the cars on a multi-car policy when only one car is involved in an Uninsured Motorist loss.

Optional Personal Auto Coverages:

Collision: This coverage will pay to fix your car in the event of a collision.

Comprehensive: This coverage pays for theft as well as damage to your car from hazards, including fire, flood, vandalism or striking an animal.

Rental:  This coverage reimburses you if you must rent a vehicle while your vehicle is being repaired following an accident.

Towing: This coverage reimburses you if you must tow your vehicle following a breakdown or accident.

Additional Personal Injury Protection:  Increases your protection over and above the limits of the required coverage.

Ask Us About Auto Discounts Available:
Good Driver Discount
Good Student Discount
Alarm System Discount
Multi-Vehicle Discount
Home/Auto Discount

MOTORCYCLE INSURANCE

Like an automobile, a motorcycle is a motor vehicle designed for on road use. Consequentlythe policies offered are similar including required coverages to protect people and property and many specialized coverages for a variety of needs.

BOAT INSURANCE

Boat insurance programs are normally designed to cover boats up to 26' in overall length. If the size of your vessel is greater than 26 feet, it's generally considered a "yacht", and therefore qualifies for yacht insurance. Boat insurance provides physical damage coverage with a deductible to repair your boat if it's accidentally damaged or destroyed by a covered peril such as collision, fire, theft, windstorm, lightning or vandalism. This coverage is broad, and provides coverage for the boat, including its machinery and auxiliary equipment, outboard motors, boat trailer and personal property. Also available is coverage for: Personal Effects, Boat Liability, Medical Payments and Commercial Towing and Assistance

RV INSURANCE

RV Insurance offers many different types of coverages. Following are some of the coverages descriptions.

Bodily Injury:  RV bodily injury liability insurance covers your legal liability for the injury or death that you, or any permitted user, may cause with your RV.

Property Liability:  RV property damage insurance covers the legal property damage liability for damage to property of others that you, or any permitted user, cause with your RV. The RV property damage coverage dollar amount shown in your coverage declaration page is the maximum
amount the insurer will pay for all property damage in any one accident.