For most of us, an automobile is an indispensable part of an active and busy lifestyle. Proper insurance is just as much of a necessity as an automobile. The type of Automobile Insurance required and the rates are determined by many factors such as:
The information below describes the coverages available on a personal auto policy:
Your personal insurance needs are very important to HN Insurance Services. To properly protect yourself from the always present danger of large awards for auto liability, it is necessary that you maintain the proper level of coverage for your situation. HN Insurance Services will work with you to find the right insurance carrier at the right price, and find a policy that fits your needs. Our team is also readily available when you have questions, need to make a change to your policy or file a claim.
Important Aspects of your Auto Insurance
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Covers auto damage from a collision with another car.
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Comprehensive Coverage. Covers auto damages from causes such as fire, theft, hail, vandalism or many other events.
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Bodily Injury Liability. Protects against a claim or lawsuit if others are injured in an auto accident that you or your family are considered legally responsible.
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Property Damage Liability. Protects against a claim or lawsuit for any damage you may cause by an auto accident to someone else’s auto or property.
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Medical Payments. Pays for reasonable medical expenses, or certain other expenses resulting from an auto accident for you, your family and your passengers.
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Uninsured/Underinsured Motorist. Covers injury resulting from a hit-and-run accident or uninsured driver.
Optional Coverages
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Optional Bodily Injury to Others
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Medical Payments
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Collision
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Comprehensive
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Substitute Transportation
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Towing and Labor
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Bodily Injury Caused by an Underinsured Auto