Personal Automobile Insurance
Whether taking the kids to school, getting to work or just a trip to the grocery store, driving isn’t a luxury, it’s how you navigate your life. Car insurance is mandatory by law in most states to protect you and your family in the event of an accident. We know how essential your car is to keep your life on track and we can help safeguard your assets should the unexpected happen.
In Connecticut, like most states, you must be able to prove that you can pay for the damage in the event of an accident. Since most of us can’t pay out of pocket for such a large expense, insurance gives us the ability to cover the costs. Here are some basic descriptions of key elements of a Connecticut auto insurance policy.
Bodily Injury Liability
Covers injuries you might cause to others while you or someone else is operating an automobile you own.
Medical or Personal Injury Protection
Covers expenses incurred for treating the driver and passengers of your car if an accident occurs.
Property Damage Liability
Pays for damages caused to someone else’s property by you or someone else while operating your automobile.
Insures you against loss during a collision with another vehicle or object.
Is protection for your car from damage and loss resulting from incidents other than collision.
Uninsured Motorist Coverage
Covers medical treatment of injuries sustained by the driver or passengers in your vehicle if there’s a collision with a driver who doesn’t have insurance.
Underinsured Motorist Coverage
Is similar to uninsured motorist coverage, but pays for injuries caused by a driver who doesn’t have enough insurance.
Whether it is a broken windshield, a fender bender or a more substantial accident, it is important that you maintain adequate coverage on all your vehicles. Our agents can look at your current policy and ensure you have the proper coverage. We can help protect you financially by selecting the right amount of coverage while also reviewing what type of discounts that would apply based on your specific situation.