Auto Insurance
Coverage
Do you have sufficient automobile liability limits? Will you be protected against liability claims in the event you are involved in an at-fault accident? Most individuals do not understand how the personal automobile policy responds to these exposures.
At TIS, we want to make sure you understand this issue so that you can select the liability limits right for your financial situation. In addition, we will advise you on this and other issues such as whether you need to purchase liability coverage when you rent a car and which deductibles are the most cost-efficient. Let us advise you on the most effective way to manage these risks.
CONSIDERATIONS
What is the age and condition of your vehicle?
Is your vehicle under a lease or loan?
How much will it cost to repair or replace your vehicle if it is totaled?
Do you park your vehicle outside?
Do you have a long commute?
Do you have an inexperienced driver in the household who may be more likely to be involved in an accident?
Does your vehicle need specialty coverage?
PREMIUM BASIS
Coverages Selected
Coverage Limits
Replacement Value
Driver Age and Gender
Driving Record
Annual Usage / Mileage
Vehicle Features
Residence and Parking Location
These are just some of the many factors used to determine the best policy for your unique auto insurance needs.
Vehicle
Motorcycle
RV
Classic Car
ATV
Auto Insurance Coverages
Auto insurance is an insurance coverage that is required by each state. State requirements typically involve liability coverage. However, most insurers elect for liability and physical damage coverages. Add-on coverage options are also available for those who wish for a comprehensive package.
Liability
Insures against injury and property that you may cause to other persons. The key is that it involves you being held financially responsible for injuries to other persons because of your driving, your ownership, or other use of your vehicle.
Medical Payments
Coverage handles expenses incurred due to an injury of any occupant in your vehicle, regardless of who is at fault.
Uninsured and Underinsured Motorists
Coverage typically pays for injury you suffer from an accident caused by a person who has no insurance/is inadequately insured, a person who can’t be located (“hit and run drivers”), or a person who has insurance but whose insurance company is insolvent.
Collision
Covers damage to your own vehicle that happens when your vehicle runs into another object, such as other vehicles, trees, light poles, mountains, etc.
Comprehensive
Coverage provides for damage to your vehicle that is due to sources other than those covered under Collision, such as fire, theft, hitting an animal, vandalism, earthquake, flood, or hail.
Add-On
COVERAGES
These insurance products are a part of any package. While they don’t make us unique, they are the core of your risk mitigation strategy.
Towing and Labor
Coverage is to help pay for your costs to deal with a disabled car. It could help pay for the vehicle to be towed to a service station or for any repair that occurs at the location of the car’s breakdown. Note that this coverage is for labor rather than the costs of car parts. Available coverage is minimal (often $25-$75).
Rental Reimbursement
Coverage reimburses your expense of renting a car as a temporary replacement. The car being replaced must be an insured vehicle that’s unavailable for use because of it being damaged, lost (stolen), or destroyed in a covered loss.
Gap Coverage
Provides coverage for the difference in or “gap” if the amount owed on a vehicle loan or lease is more than the amount paid after a total loss claim. This coverage is recommended if you owe more than your car is worth.
Get a Quote
- Provide us with details about your auto insurance needs or just some simple contact information.
- A TIS Team Member will reach out to gather additional information needed to provide an innovative, accurate quote.
- Get the coverage you need.
Meet our Sales Team
Personal Insurance
kshires@TISIns.com
ssitton@TISIns.com
