Personal Coverage: Automobile


Owning and operating a car can be a source of serious financial risk. Personal liability arising from losses suffered by others, or the cost of repairing or replacing a damaged or stolen vehicle, can be high.


Automobile insurance usually covers a number of risks in one “package” policy. The most frequently used policy is the Personal Automobile Policy (PAP). The PAP is designed primarily for passenger automobiles, but protection can be extended to cover other types of vehicles. Typical coverage includes:


  • Liability Insurance: This coverage protects the owner against losses from legal liability arising from bodily injury or property damage caused by an automobile accident.
  • Medical Payments Coverage: This provision pays medical or funeral expenses because of bodily injury.
  • Physical Damage Coverage: This section of the auto policy is designed to cover physical damages to the insured auto. Collision covers, as the name implies, collision losses. Compressive covers losses from non-collision incidents, such as theft or storm damage.
  • Uninsured/Underinsured Motorist: Even though many states have enacted “financial responsibility” laws, not all automobile owners comply. Uninsured motorist coverage pays for all injuries sustained in an accident with an uninsured driver.


Contact us today to find an automobile insurance policy that fits within your budget.