Auto Insurance
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LIABILITY
Since this coverage pays for “the other guy” when you’re at fault in an accident, you want to make sure your liability limit is enough to pay for car(s) damaged and medical bills—two expensive areas! The state minimum limit of $12,500 barely covers the cost of most cars on the road, so we see it as woefully insufficient.
UNINSURED MOTORIST
This coverage protects you in case “the other guy” who hit you doesn’t have insurance and you’re injured. Our philosophy is: Protect yourself for as much as you’re protecting “the other guy” by having the same limit as your liability.
MEDICAL PAYMENTS
Provide coverage for passengers in your vehicle who are injured in a covered accident. Often called a “courtesy coverage.”
RENTAL REIMBURSEMENT
Sometimes optional, sometimes included, this coverage provides you with a rental car while yours is getting repaired (from an insured accident).