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Let us contact you for a Free Quote:
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Available Coverages
Liability Coverage
In the state of Indiana, if you own a vehicle and drive it you are required to carry at least liability coverage. Liability covers you for damages that you might cause if you are at fault in an accident. The Liability Limits do vary. Indiana's minimum liability coverage requirement is $25,000/$50,000/$10,000. The $25,000 covers bodily injury for one person injured. $50,000 covers bodily injury if more than one person has been injured. The $10,000 covers property damage that you might have caused. Limits of liability can be increased for more coverage, if one feels they need it.
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Uninsured and Underinsured Motorist Coverage
Uninsured Motorist Coverage will cover you if you are involved in an accident that is not your fault and if the person that hit you does not have insurance, then your insurance company will cover medical for you and damages to your vehicle. Underinsured Motorist Coverage will cover you for Bodily Injury coverage if your Liability coverage are not enough. Uninsured and Underinsured Motorist Coverage is an optional coverage, it is not required.
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Medical Payments
Medical Payment coverage is an optional coverage, it is not required. Medical Payments will cover yourself and any other passengers in your vehicle who may be injured as a result of an at fault accident. There are several amounts of Med Pay coverages you can choose from.
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Comprehensive and Collision Coverage
Comprehensive and Collision Coverage is what makes up full coverage. Comprehensive covers fire and theft. Collision covers damage done to your vehicle. The company requires a deductible with Comprehensive and Collision, usually the options to choose from will be 250 Deductible, 500 Deductible, and 1000 Deductible. The higher the deductible the lower the premium will be. Having a deductible means that you are responsible for any damages to you vehicle up to the deductible amount, anything over the deductible amount the company covers. . If you are making payments on your vehicle you will most likely be required to carry Comprehensive and Collision Coverage.
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Rental and Towing Reimbursement
Rental and Towing Reimbursement Coverage is an optional coverage, it is not required. With this coverage the insurance company will reimburse towing cost and rental for a temporary vehicle, but only if it is due to an accident. We do offer a separate Towing and Rental Package that can be used at any time.
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If you have any questions you can contact us or take a look at our FAQ section
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Portage Office
3359 Willowcreek
Portage, IN
Phone:
(219)764-7771
Fax:
(219)764-7737
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Hobart Office
7834 Ridge Rd
Hobart, IN
Phone:
(219)962-4548
Fax:
(219)962-5017
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