Our number one priority to protect you and your family from financial responsibility. In terms of protecting an auto insurance might seem to be complicated,If you are shopping around for Auto insurance quote than Our Independent highly qualified agent will assist you to select the right insurance policy to help you get back in road. Our auto coverage guide provide you a basic explanation of the various types of coverages that you'll know what to look for when shopping for Auto Insurance. Once you understand the types of coverages you need for your personal Auto policy,it is easy for you to select what types of coverages you need in your personal auto insurance policy that's right for you. The following are common coverages found in your auto policy will protect you in your family if your vehicle involve in accident.

Bodily Injury (BI) Liability Coverage
Pays, up to the coverage limits, for damages due to injury or death of others in a vehicle accident for which you or the operator of your vehicle are legally responsible. It also pays your legal defense costs. In most states this coverage is mandatory.

Property Damage (PD) Liability Coverage
Pays, up to the coverage limits, for another individual's vehicle or property that has been damaged in an accident for which you or the operator of your vehicle is legally responsible. In most states this coverage is also mandatory.

Medical Payments Coverage
Pays, up to the coverage limits, for reasonable and necessary doctor, hospital and funeral expenses for you and your passengers injured or killed in an accident, regardless of who is at fault. Payments are usually limited to one to three years after the accident. This coverage is optional in most states without no-fault insurance systems.

Uninsured/Underinsured Motorists (UM/UIM) Coverage
Pays up to the coverage limits for pain and suffering which is not covered by medical, disability and PIP. Underinsured motorist coverage pays for bodily injury to you or your family resulting from the negligence of someone whose liability insurance limits are insufficient. The definition of an underinsured motorist varies from state to state.

Collision Insurance
Collision insurance coverage pays for damage caused to your vehicle in an automobile accident. Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage usually also comes with an insurance deductible. It’s the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you’re willing to pay, the less the collision coverage will cost.

Comprehensive Insurance (Other than Collision)
Comprehensive insurance covers damage done to your car in some way other than a collision, such as if it were stolen or vandalized. Flood, hurricane, theft, windshield damage and fire are also events usually covered by comprehensive car insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible.) And although it’s not legally required by any state, you will probably need it if your car is financed.

Rental Reimbursement
Pays up to a specified amount for rental vehicle charges while your vehicle is being repaired for damage covered under your policy. If you prefer not to incur the cost of renting a vehicle yourself and cannot be without a vehicle while yours is being repaired, you might consider this coverage.

Towing and Labor
Covers some costs incurred for services rendered at the place of breakdown or for towing to a repair shop. It covers the delivery of gas, oil or a battery, but not the cost of these items. If you lock the keys in the vehicle or need a tire changed, this may also be covered.These services are often included in auto club memberships, which
can result in unnecessary duplicate coverage.