Automobile: Standard and Non-Standard Auto

Your car is one of your biggest assets and losing it can be a severe setback, especially if your insurance doesn't fully cover the loss and all the related costs. We specialize in Standard and Non-Standard Auto. Here is a brief summary of the different types of car insurance and what they cover:

• Liability Coverage:

  • This covers the costs to the other party's car or property if you cause an accident.

• Medical Payments:

  • This pays for your medical expenses if you get injured in an accident, regardless of who is at fault.

• Collision Coverage:

  • This pays for the damage to your car if you collide with another vehicle or object, such as a tree or a fence.

• Comprehensive Coverage:

  • This pays for the loss or damage to your car due to events other than collision, such as theft, fire, vandalism or animal strikes.

Whether you're a seasoned driver with a clean record or someone facing higher premiums due to past incidents, there's a policy out there for you. For high-risk drivers, including those with accidents and violations, young drivers just starting, or senior drivers with decades of experience, specialized coverage options are available. These nonstandard policies often provide state minimum coverage at more affordable rates, ensuring that everyone has access to the necessary protection. It's important to compare quotes from various carriers, as this can help you secure the best deal possible. Remember, the cheapest option isn't always the best; consider the coverage details and the insurer's reputation for a well-rounded decision.