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Automobile Insurance

Automobile Insurance – provides coverage for the legal liability arising out of the operation of automobile, physical damage coverage for the automobile itself, accident benefits (medical and rehabilitation costs), comprehensive coverage and protection against uninsured drivers. Optional Coverage Loss of Use – this coverage pays for the use of a rental car while your vehicle is being repaired due to an insured loss. There is usually a limit of $1000 depending on the insurance company.

Waiver of Depreciation – this endorsement is available to those who purchase or lease a new vehicle. It removes the insurer’s ability to depreciate the value of a car after a covered loss.

Accident Waiver – For an additional premium this endorsement will forgive or “waive” your first at fault accident.

Legal Liability for Damage to Non-Owned Autos – this endorsement provides physical damage coverage when an insured requires a short term rental car. This coverage is subject to a maximum limit of insurance as indicated on the endorsement. For other optional coverage endorsements please check with your insurance broker or agent.