What is Vehicle (auto and motorcycle) insurance?

Auto/Motorcycle insurance protects you against financial loss if you have an accident and provides property, liability and medical coverage.

• Property coverage pays for damage to or theft of your car
• Liability coverage pays for your legal responsibility to others for bodily injury or property damage
• Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expense

Why do you need auto/motorcycle insurance?

It's really all about protecting yourself financially.

• Not only is having insurance a prudent financial decision many states require you to have at least some coverage
• If you're in an accident it costs money to repair your vehicle
• If you or any passengers are injured in an accident medical costs can be extremely expensive
• If you or your car is responsible for damage or injury to others you may be sued

Questions to ask your agent

Your Independent Agent is an advocate for finding auto/motorcycle insurance that meets your specific needs. Here are a few things to consider

• How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs)
• What is the insurance company's level of service and ability to pay claims?
• What discounts are available? (Ask about good driver, multiple policy and student discounts)
• What's the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim)

Your independent Agent is also an advocate for finding other types of insurance for other types of vehicles such as a recreational vehicles. We will be glad to assist you in finding coverage for all of your recreational "toys". Since we do not represent just one carrier, we can search among a number of carriers to get you the best premium we can find.

I will find the best rate and coverage from some of the best companies in the busniess. The companies that I represent: Progressive, Safeco, The Hartford, Kemper, Infinity, Mercury, Metlife, Encompass, and Gainsco.

We also consult on the following auto insurance policies:

• Motorcycles, RVs, trailers, etc.
• Vehicle theft
• Collision insurance coverage
• Towing and repairs