Auto Insurance

An auto insurance is a contract between you and your insurance carrier that protects you from financial lost when you are involved in an accident. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.

What does auto insurance provide?
Your auto policy may include all 6 coverages or some of them. Each coverage is priced separately.

1.Bodily Injury Liability
For injuries the policyholder causes to someone else.  Pays for your legal responsibility to others for bodily injury or property damage.

2.Medical Payments or Personal Injury Protection (PIP)
Pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses to the driver and passengers of the policyholder's car. 

3.Property Damage Liability
For damage the policyholder caused to someone else's property.

4.Collision
For damage to the policyholder's car from a collision. The collision could be with another car, a light post, fire hydrant, etc.

5.Comprehensive
For damage to the policyholder's car that doesn't involve a collision with another car. Covered risks include fire, theft, falling objects, missiles, explosion, earthquake, flood, riot and civil commotion.

6.Uninsured / Under Insured Motorist Coverage
For treatment of policyholder's injuries as a result of collision with an uninsured driver. Under insured motorist coverage can also be included in an auto policy. Under insured motorist coverage comes into play when an at-fault driver has auto liability insurance, but the limit of insurance is inadequate to pay for your damages.

Each state requires that you have certain types of coverages with minimum liability limits. H Group Insurance recommends that your bodily injury liability limits be $100,000 per person and $300,000 per occurrence with $100,000 property damage.