Auto Insurance

Bodily Injury/Property Damage Liability

Protects you and any legally licensed person driving your car with permission against lawsuits or legal action resulting from the use or operation of the insured vehicle.

Accident Benefits

Provides benefits that you and other insured persons are entitled to receive in the event of an automobile accident causing injury or death. Includes payments for reasonable medical expenses, income replacement, caregiver expenses, rehabilitation expenses and other expenses resulting from an auto accident.

Collision Coverage

Covers your automobile for damage resulting from upset or collision with the ground or other object.

Comprehensive Coverage

Covers your automobile for damage caused by perils other than collision, such as fire, theft and vandalism.

All Perils

Combines the Collision and Comprehensive coverage.

Additional Coverage Options

Loss of Use

Provides a specified limit for a rental vehicle while your vehicle is not in use as a result of a collision or comprehensive claim.

Increased Accident Benefits

Standard policy limits may not adequately protect you and your family. We as Insurance Professional can determine if increasing limits are right for you.

Non-Owned Automobile Extension

Covers for physical damage to a rental vehicle for you and other insureds.

Accident Protection Waiver

Protects your driving record and policy rating in case you are involved in an at-fault auto accident.

Minor Conviction Protection

Minor conviction, such as a speeding ticket, could impact your car insurance premium. With Minor Conviction Protection, you’ll have peace of mind knowing your first minor conviction won’t affect your premium.

Removal of Depreciation Coverage

If you bought a new vehicle with ” Zero” mileage and it is not a demo vehicle, OPCF 43 protects you against depreciation in case of a total loss within 2 years. Some companies offer coverage up to 7 years as well.

Lienholder Protection (OPCF23A)

If your vehicle is financed OPCF23A is added to your policy to protect the interests of the lender.

Lessor Protection (OPCF 5)

If your vehicle is leased OPCF 5 is added to your policy to protect the interests of the lessor.

User Based Insurance

What is Usage-Based Insurance and How Will It Save Me Money?

Telematics are changing traditional auto insurance policies. Have you not heard about how you can save on your auto insurance with telematics? Don’t worry; you’re not the only one. Telematics, or usage-based insurance (UBI), involves downloading an App on your smart phone device to gauge your driving habits. By participating in the usage-based insurance (UBI), program, you will be monitored for the following:

• Sudden Braking
• Abrupt Acceleration
• Time and Distance Driven. This data will be used to determine your personalized discount. This not only rewards good drivers with lower insurance rates but encourages better driving habits. Clients who enroll in this program will save 10% immediately on their auto insurance and up to 30% at the time of their next renewal depending on your driving behavior.