Auto

Auto Insurance

Our Personal Auto Policy can cover your entire family and all of its vehicles. We have policies which can protect car, camper, trailer, motor home and motorcycles; therefore, there is no need for a separate recreational vehicle policy.

Bodily Injury and Property Damage Liability

If you are held liable for an auto accident causing bodily injury to someone or damage to their property, Bodily Injury and Property Damage Liability coverage applies for the limits chosen whether you are driving.

  • Your own auto, pickup or van scheduled in the policy.
  • A temporary borrowed auto
  • A rental auto (up to 60 days)

Personal Injury Protection

If you, your family or any passengers in your auto are injured in an accident, your necessary medical, hospital and funeral expenses are covered under Personal Injury Protection (PIP) subject to specified limits. PIP also pays a percentage of your income of your passengers’ incomes should you or your passengers be unable to work due to a covered injury (Exception: Motorcycles are not eligible for PIP).

Uninsured/Underinsured Bodily Injury

If you or other passengers in your insured auto suffer injury or death from an uninsured or underinsured driver, your policy may pay, up to the limits shown for Uninsured/Underinsured Bodily Injury, sums you are legally entitled to recover.

Uninsured/Underinsured Property Damage

If your auto or other covered property is damaged by an uninsured or underinsured driver and requires repair or replacement, your policy may pay up to the limits shown for Uninsured/Underinsured Property Damage ( Exception: Motorcycles).

Collision

If your covered auto is hit, runs into an object or rolls over, you policy may pay the actual cash value of damage (minus the deductible you select) if you have purchased Collision Coverage.

Comprehensive

If your covered auto sustains a loss caused by fire, earthquake, theft, explosion, flood, hail, glass breakage or vandalism/malicious mischief you policy may pay up to the actual cash value of damage (minus the deductible you select) if you have purchased Comprehensive coverage.

Electronic Equipment

Stereos, phones and other electronic equipment are automatically covered at no charge if permanently installed in a factory designed opening.

Saving you Money

Auto Insurance does cost money. There’s no question about that. However, we have some answers for providing our customers protection at a reasonable price.

  • Vehicle Discounts for autos with automatic seat belts, air bags, 4-wheel antilock brakes, alarms and disabling devices.
  • Account Discount for customers who also have their dwelling coverage with our companies
  • Experience Discount up to 15% for drivers with a good driving record
  • Mature Driver Discount for drivers who are age 55 and older
  • Multi-Car Discount for drivers with two or more autos
  • Good Student Discount for drivers in high school or college with a GPA of 3.0, B or better

A Convenient Payment Plan

We offer an extremely flexible payment plan. Payments can be made monthly, quarterly, semiannually or in any combination you choose. You may even select a bill date that is most convenient for you.

Medical Payments

Medical Payments are made where reasonable medical and funeral expenses are incurred because of bodily injury caused by accident or sustained by an insured. Must occur within 3 years of the accident and must have occurred in on or around the insured vehicle. There are exclusions to this rule so please read your policy.