Personal

Auto Insurance

What is auto
insurance?

If an accident happens, having the right amount of insurance can benefit you personally, financially, and legally. With Liability Coverage, you can be insured if you’re held responsible for a car accident by having any medical payments for injuries sustained to drivers, passengers, and pedestrians, as well as bills for property damage covered.

If you become legally liable as a result of a collision, liability also helps to pay for legal defense costs if you get sued.

What does it cover?

LIABILITY

There are two main components to Auto Liability: Bodily Injury and Property Damage liability.

Bodily Injury Liability helps pay for the costs associated with another person’s injuries, including medical expenses, loss of income and pain and suffering.

Property Damage Liability takes care of any expenses that arise from damage caused by you to another driver’s vehicle or property.

Not only is having liability a good idea, but most states require that drivers have it in order to be legal on the road.

COMPREHENSIVE

Comprehensive Coverage insures your vehicle and equipment against damage and expenses that result from something other than a collision.

Insure your car against damages or loss resulting from:

  • Theft or Larceny
  • Vandalism and Glass Breakage
  • Fire Damage
  • Hail, Water, or Flood Damage
  • Hitting a Deer or Other Animal
  • Damage from Falling or Flying Objects

Personal Injury Protection (PIP)

With Personal Injury Coverage from Premier Choice Insurance, you’ll have a policy that helps pay for the treatment of you and your family members should someone get injured as a passenger or pedestrian. PIP extends to cover expenses beyond medical bills, such as loss of wages or services, and in some cases, funeral costs. Personal Injury also can extend to take care of your passengers’ bills.

Medical Payments

Being insured with an auto policy that includes covering Medical Payments ensures that most medical expenses will be taken care of if you or a family member is injured in an auto accident as either a passenger in the car, or as a pedestrian struck by an auto. This coverage applies the same regardless of who is at fault and extends to the policyholder’s family members, as well as any passengers in the vehicle.

Uninsured Motorist

Uninsured/Underinsured Motorist Coverage gives you the assurance you need knowing that your medical expenses will be covered. In cases where the driver at fault does not have adequate liability to pay for your injuries and damages, you’ll be compensated for the amount in which you are legally entitled to – in regards to you, your passengers, and your vehicle. Uninsured/Underinsured Motorist Protection may also take care of property damage in some states.

Rental Reimbursement

Rental Reimbursement is an optional coverage option that provides for the expense of renting a substitute vehicle while yours is being repaired or replaced.

Towing

In the event of an unexpected breakdown, the last place you’ll want to be is stranded on the side of the road, or stuck with costly towing fees.

There are also Roadside Assistance packages that include valuable extras like fuel delivery, turn-by-turn directions, jump starts, flat tire repair, and more.

What's at stake if I don't have this insurance?

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Types of auto insurance:

Liability

Comprehensive

Collision

Medical Payments

Personal Injury Protection (PIP)

Uninsured Motorist

faqs

Does my Auto Insurance cover rentals?

Extending liability and physical damage to short term rentals differs based on the insurance company. Ask one of our team members to provide a program meeting your specific needs.

How much car insurance coverage do I need?

We develop Auto Insurance programs to meet the needs of our customers. Everyone’s situation is different and unique.

What factors determine the cost of car insurance?

Driving history and experience are key factors when determining the cost of your car insurance.

What can I do to lower my Auto Insurance costs?

The best way to keep your Auto Insurance costs low is to improve driving habits and maintain a good credit record.

Why do car insurance premiums change?

Depending on your insurance company and state, premium rates can fluctuate based on underwriting exposures and incidents out of your control. Common incidents include motor vehicle records, comprehensive and collision claims.

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