Auto and Motorcycle Insurance

Why Buy Auto Insurance?

If you are in an auto accident and you are at fault, you could be held liable (legally responsible) for bodily injury or property damage resulting from that accident.  If a lawsuit is brought by the injured party, a court could order that your assets be used to pay for the resulting damages that were awarded.  Even for an accident where you were not at fault or were only partially at fault, the costs of defending yourself against a legal action could be very high.

What if you are involved in an auto accident where the other party is at fault, but they have no money, no insurance or inadequate insurance and you are injured?  Even regading an accident where you are not at fault you could incur substantial medical and other costs.  In New Hampshire , Auto  Insurance Policies provide coverage that would respond to such situations.

And don’t forget the damage to your own auto as well.  You will need to repair your auto in the event of an accident or other type of property damage loos.  This will be paid by you unless you have the proper coverage available under Auto Insurance.

Common Types of Coverage Available

Auto Liability Coverage – This provides coverage for liability incurred as the result of an auto accident caused by you.  It also covers expenses for a lawyer to defend you should that become necessary.  There are two kinds of liability coverage Bodily Injury and Property Damage.

Bodily Injury Liability Coverage – This coverage pays for claims made as the result of injury to others resulting from an accident you cause.  It compensates others for pain, suffering and economic damages such as lost wages.

Property Damage Liability Coverage – This coverage pays for damage to another auto or property of others incurred as the result of an auto accident caused by you.

Uninsured or Underinsured Motorist Bodily Injury Coverage – This coverage pays for injury to you if you are involved in an accident involving an automobile driven by an individual who is uninsured or underinsured and who is found to be liability for your damages.

Medical Payments Coverage – This cove rage pays for medical costs incurred as a result of injuries sustained in an accident without regard to fault.  This cove rage will pay for covered expenses up to one year (this time-frame may vary by insurance company) following the date that the injuries are sustained.
Comprehensive Coverage – This cove rage pays for damage to or the loss of your auto from causes other than collision (for example: hail, vandalism, fire, theft or if you hit an animal or an animal hit you).  This coverage is generally required by a lender, if a loan is obtained on your auto.

Collision Coverage – This coverage pays for damage to your auto when it collides with another auto or object.  This coverage is generally required by a lender, if a loan is obtained on your vehicle.

Towing and Labor Coverage - This cove rage reimburses you for towing expenses when your auto become disabled and requires roadside assistance.

Rental Reimbursement/Transportation Expenses – This coverage pays a specified amount for  help in covering the necessary rental of substitute auto while yours is being repaired.  This coverage applies for a limited period of time and is referenced in your policy conditions.

Discounts

You may be eligible for discounts which are part of the insurance company’s rating plan tdhat can serve to reduce your premiums.  Be sure to ask about possible discounts when buying or renewing your auto insurance policy.  Examples of possible discounts are: Anti-theft devices, Auto/home packages, Good Driver, Good Student, Away at school over 100 miles, Low annual mileage and multiple vehicles.

Not all companies offer all of the discounts listed here.  Some companies may offer  more or less discounts than those listed.

WHY USE AN INDEPENDENT AGENT?

There are so many ways to buy insurance today – why not stick with a trained professional who knows the ropes? Your local agent can provide personal care and follow-through you wouldn’t receive online. An agent will focus on saving you time, money and hassle when purchasing and maintaining your insurance. They will help you choose the best policy for your lifestyle.