Auto insurance provides financial protection against physical damage and bodily injury resulting from traffic collisions and against liability that could also arise from incidents in a vehicle. It can cover:

• Liability: Covers damages and injuries you cause to others.
• Collision: Covers damages to your car from a collision. For example, hitting a car, a tree, a pole, a fence, etc.
• Comprehensive: Covers non-collision-related damages (e.g., theft, vandalism, natural disasters).
• Personal Injury Protection (PIP): Covers medical expenses for you and your passengers.
• Uninsured/Underinsured Motorist: Covers damages when the other driver is at fault but lacks adequate insurance. For example, a hit and run.

• Liability Insurance: Covers only the damage you cause to others in an accident. This includes bodily injury and property damage.
• Full Coverage: Typically includes liability, collision, and comprehensive coverage, providing broader protection for your vehicle and covering a wider range of incidents. Also required when financing a vehicle.

If you are financing a car, your lender will generally require you to have full coverage insurance. This includes both collision and comprehensive coverage with a $500 or $1000 deductible. This ensures that the vehicle is protected against a wide range of potential damages.

Home insurance is essential because it protects one of your most valuable assets—your home. It covers:

• Dwelling Coverage: Repairs or rebuilds your home if it is damaged by covered perils.
• Personal Property Coverage: Replaces personal belongings lost due to covered events.
• Liability Protection: Covers legal costs if someone is injured on your property.
• Additional Living Expenses: Pays for temporary housing if your home is uninhabitable due to a covered loss.

A deductible is the amount you pay out of pocket before your insurance coverage kicks in. For example, if you have a $500 deductible and your claim is for $2,000, you will pay $500, and the insurance company will cover the remaining $1,500. Choosing a higher deductible can lower your premium, but it means you’ll pay more upfront in the event of a claim.

Renters insurance provides coverage for your personal property within a rented apartment or house. It typically includes:

• Personal Property Coverage: Replaces personal belongings lost due to covered events (e.g., fire, theft).
• Liability Protection: Covers legal costs if you are sued for injuries or damages to someone else.
• Additional Living Expenses: Pays for temporary housing if your rental is uninhabitable due to a covered loss.

We offer a range of commercial insurance options, including:

• General Liability Insurance: Protects your business from claims of bodily injury, property damage, and personal injury.
• Commercial Property Insurance: Covers damage to your business property.
• Workers’ Compensation Insurance: Provides benefits to employees who are injured on the job.
• Commercial Auto Insurance: Covers vehicles used for business purposes.
• Professional Liability Insurance: Protects against claims of professional negligence.

We offer multiple payment options for your convenience, including:

• Online Payment: Pay securely through our website.
• Automatic Bank Withdrawal: Set up automatic payments from your bank account.
• Credit/Debit Card: Make payments using your credit or debit card.
• In-Person: Visit our office inside the dealership to make a payment.

You can request an ID card by:

• Online: Logging into your account on our website and requesting an ID card.
• Mobile App: You can digitally downloard your ID Card or request through the app.
• Phone: Calling our customer service team, and we’ll mail or email your ID card to you.
• In-Person: Visiting our dealership to get an ID card printed on the spot.