What is Comprehensive (Comp)?

Comprehensive coverage with your insurance company pays for losses from incidents other than a collision such as a fire, theft, flooding, vandalism, or storm damage. Many insurance policies have deductibles for this coverage, meaning you will be responsible for the initial cost of the loss up to the amount of the deductible you have chosen. read more?

What is Property Damage (PD)?

Property Damage coverage pays for certain automobile damage that the other at fault driver causes to your vehicle. read more?

What is Uninsured/Underinsured Motorist Protection (UM)?

Uninsured/Underinsured Motorist Protection provides coverage to protect you and your family. It provides payment for remaining medical expenses and lost wages that you may have, payment for bodily injury, pain and suffering, loss of enjoyment of life, disability, and other non-economic damages that have been incurred as a result of the negligence of another person… read more?

What is PIP/Personal Injury Protection or ‘No Fault’ Coverage?

Personal Injury Protection (PIP) coverage with your own insurance company will pay for your injuries whether or not you cause the accident, up to the policy limits and only for specific economic losses. Under most policies, this coverage will apply towards reasonable and necessary medical expenses and lost wages. However, once the limits of coverage… read more?

What is BI or Bodily Injury Coverage?

Bodily injury coverage will compensate for an injury to your body or death when the other driver in a vehicle accident is found to be at fault. Regardless of the extent of the injuries, the insurance company of the at-fault party will still only pay up to the limits of liability provided in its policy.… read more?

What do I do if the insurance company is not offering me enough for my car?

Just like when buying a new car, the best thing you can do is arm yourself with knowledge.  The internet is your best resource. Kelly Blue Book and NADA are the standards in the industry to find the actual cash value (ACV) of your car.  Check out the classified advertisements in your local newspapers,… read more?

What does it mean if my car was totaled?

Your car is considered totaled if the damages are not repairable or if price of the repairs will cost more than the actual value of the vehicle. Do your homework. Check the internet (such as Kelley Blue Book) or NADA for the actual cash value (ACV) of your car, check out the classified advertisements in… read more?