What Do the Different Coverages Mean?
Personalized Car Insurance
At Sorensen, we offer personalized car insurance policies for all drivers. Each policy should be tailored to one's needs and lifestyle. Take a look at some of our personalized offerings:
• Standard and Preferred Auto Insurance • Classic Autos • High Valued Autos • Special Program for Mature/Elderly Drivers • Recreational Vehicles (RV), Boats, Snowmobile, ATV, Motorcycles and more.
This coverage is not only state law that you have, but is the most important coverage to have in case of a large accident. Unfortunately, it's talked about the least. The coverage pays for injuries and property damage you cause to others when you’re at fault in an accident.
Some states require personal injury insurance or PIP, which is also sometimes called No-Fault Insurance. This coverage pays for medical and rehabilitation expenses, funeral expenses, and loss of income if you are injured in an accident and unable to work.
Hit-and-run accidents are more common than people think. Uninsured or underinsured motorist coverage will cover your costs if you’re injured in an accident caused by a person who does not have insurance or if his/her liability insurance is unable to pay for all your medical expenses. This coverage also covers injuries incurred by a hit-and-run driver.
Collision and Comprehensive
Collision coverage insures against damage done to your vehicle during an accident you caused. Comprehensive coverage insures your car against anything other than collision accidents. For example: theft, fire, and vandalism. These two coverages include a deductible ranging from $100 – $1,000; the higher the deductible, the lower the premium.
Bells and Whistles
This coverage includes things like rental reimbursement, full glass and roadside assistance and other small coverages. While these items may certainly come in handy, there are ramifications to your premium and insurability that may negatively impact your policy and rate. Make sure to speak to your agent about the details and choose what is best for you.
Call or email us for a free quote today!