We represent a number of insurance companies that write automobile insurance. We have a unique advantage to "shop" your insurance for you and match the best price with the best coverage available for your specific risks. As your agent we will represent you and act as your representative.
Insurance rates are not the same for every customer - a variety of factors are evaluated to determine fair and accurate rates. Below are a number of the terms that will be used when underwriting and rating your policy.
These definitions provide a brief description of the coverage’s many companies offer and some of the terms and phrases used in connection with vehicle insurance. These definitions are not applicable in all states or for all products. This is not an insurance contract. Other terms, conditions, and exclusions apply. Please read your policy for full details about the coverage’s. These definitions do not alter or modify the terms of any insurance contract. If there is any conflict between these definitions and the provisions of the applicable insurance policy, the terms of the policy control.
Bodily Injury Liability Coverage - Pays when an insured person is legally liable for bodily injury or death caused by your vehicle or your operation of most non-owned vehicles. This coverage also pays for your legal defense if you are sued. Common Exclusions: No coverage for (1) bodily injury/death when you are using your vehicle to carry persons or property (including magazines, newspapers, food) for compensation or a fee; (2) liability assumed under a contract; (3) bodily injury/death to an employee; (4) bodily injury/death caused by an intentional act; (5) property owned by, rented to, or in the charge of an insured person; (6) bodily injury/death to you or relative; (7) bodily injury/death or property damage resulting from a relative's use of a vehicle, other than a covered vehicle, owned by a person who resides with you; or (8) bodily injury or property damage resulting from your operation or use of a vehicle owned by you, other than a covered vehicle.
Collision Coverage - Pays for loss to your covered vehicle when it collides with another object or overturns. We will also pay for a collision loss to any non-owned vehicle, or to a vehicle you have rented other than a vehicle rented for use in connection with your business or employment, while that vehicle is in your custody, or while you are operating it. Common Exclusions: No coverage for damages or loss (1) to a vehicle while being used to carry persons or property for compensation or a fee; (2) resulting from intention acts, racing, or preparing for a race or stunting activity; (3) customs parts or equipment, including electronic equipment, in excess of the value declared in the application; or (4) to tapes, compact discs, other media or their carrying cases.
Comprehensive Coverage - Pays for loss or damage to your covered vehicle caused by any event other than collision. This includes damages due to events such as fire, theft, windstorm, flood, and vandalism. We will also pay transportation and loss of use expenses under this coverage if your motor vehicle is stolen.
Property Damage Liability Coverage - Pays when an insured person is legally liable for damage to the property of others caused by your vehicle your operation of most non-owned vehicles. This coverage also pays for your legal defense costs if you are sued.
Common Exclusions: Same as Bodily Injury Liability Coverage exclusions, but the exclusions apply to damage to property.
Underinsured Motorist Coverage - Protects you, your resident relatives, and occupants of a covered vehicle if any of these insured sustain bodily injury, including any resulting death, in an accident in which the owner or operator of a motor vehicle who is legally liable does not have enough insurance.
Common Exclusions: No coverage for bodily injury/death sustained by any person while using or occupying a (1) covered vehicle while being used to carry persons or property for compensation or a fee; (2) a covered vehicle without the permission of you or a relative; or (3) a non-owned vehicle without the permission of the owner.
Uninsured Motorist Property Damage Coverage - Available in some states as an alternative to Collision Coverage. This coverage pays you for damage to the covered vehicle that has been sustained in an accident in which the owner or operator of a motor vehicle who is legally liable does not have insurance.
Common Exclusions: No coverage for property damage sustained by a covered vehicle while (1) being used to carry persons or property for compensation or a fee; or (2) a covered vehicle without the permission of you or a relative.
NOTE: Portions of the above information have been graciously provided by The Insurance Institute at
Additional Interest Insured - Another person or company who may be liable for an accident involving an insured or an insured vehicle and who has been named as an Additional Interest Insured under the policy.
Anti-theft Device - Select Recovery Device if the system has a device that is capable of tracking (homing) and recovering the vehicle. These systems must automatically contact a response center where the process of vehicle recovery begins. This does not include alarms which do not have contact with a center or vehicle tracking. To receive an anti-theft discount, comprehensive and collision coverage must be present on your policy.
Continuously Insured - Insurance coverage was in effect from an insurer or more than one insurer at all times, without a break or lapse in coverage for any reason.
Declarations Page - The report from your insurance company listing:
the types of coverage you have elected;
the limit for each coverage;
the cost for each coverage;
the specified vehicles covered by the policy;
the types of coverage for each vehicle covered by the policy; and other information applicable to the policy.
Deductible - The amount of each loss you agree to pay. Generally, choosing a higher deductible will lower your premium.
Driver Improvement Course (not available in all states) - A voluntary refresher course available for drivers age fifty-five (55) and older to enhance their driving skills. Participants are eligible for a discount if they can provide a certificate to their carrier as proof of completion. The course must have been completed within three (3) years of the date the policy is to begin.
Driver Status - Provides information concerning whether the driver has been rated or listed on the policy.
Garaging Location - The ZIP code where your vehicle is parked when not in use and usually corresponds to your primary residence.
Limits - The most we will pay for a specific insurance coverage. You may choose the limit which meets your needs. Most states have laws that specify the minimum limits you must purchase.
Loan/Lease Payoff Coverage - Loan/lease payoff coverage, sometimes called "gap" coverage, pays the difference between what you owe on your vehicle and what your insurance pays if your vehicle is damaged beyond repair (totaled) or stolen and not recovered.
Named Insured - The first person in whose name the insurance policy is issued.
Occasional Driver - The person who is not the primary or principal driver of the vehicle.
Policy Expiration Date - The date when your current insurance policy expires. This date can be found on your current policy, Declaration (or "DEC") page, insurance identification card or recent cancellation notice. This date is not to be confused with the date of your next payment or when your renewal payment is due.
Policy Term - The length of time that the policy is in force.
Primary Residence - The place where you will reside for the majority of your policy term. If you are a homeowner who does not reside in the home you own, please choose the "rent" or "other" option.
Primary Use - What your vehicle is mainly used for:
To/From Work - If you use your vehicle to commute to and from your work and/or school.
Pleasure-drive your car or vehicle mostly for reasons related to fun or pleasure.
Business - If your vehicle is used for one or all of the following:
used to make sales calls
used as vehicle for business trips to bank or post office, picking up supplies, going to different locations owned or leased by a partnership or corporation that have a business listed as and additional interest on the car
Farm - If your vehicle is used primarily on a farm, ranch or orchard
Artisan - If your vehicle is operated by you in a trade or business where the vehicle is: owned or leased by an individual operated solely by the named insured or other resident relatives used to transport tools or other materials where such transport is incidental to the insured's trade or business
NOTE: Portions of the above information have been graciously provided by The Insurance Institute