Personal Insurance Products

Automobile Insurance

Protecting Your Automobile

Our Automobile Insurance provides coverage for Bodily Injury and Property Damage Liability to others, as well as Physical Damage Coverage for your vehicle.

Bodily Injury Liability provides coverage for your legal responsibilities if an accident injures other drivers, pedestrians and/or passengers. It also covers legal defense costs associated with these claims.

Property Damage Liability coverage provides protection for accidents that damage the property of others. It also covers legal defense costs associated with these claims.

Personal Injury Protection (PIP) provides coverage for Bodily Injury to you and your resident family members. It provides coverage for medical expenses, funeral expenses, work loss benefits and survivor loss benefits.

Uninsured and/or Underinsured Motorist coverages protect you and your family from the cost of an injury in an accident caused by an uninsured or under-insured motorist.

We offer optional coverages in our Automobile policies such as:

  • Collision coverage, to cover repair costs from damage caused by an impact with another vehicle or object or the upset of your vehicle
  • Other Than Collision (Comprehensive) coverage, for fire, theft, vandalism, glass breakage and other perils
  • Towing and Labor coverage, in the event your car is disabled
  • Rental Reimbursement coverage, to pay for a rental car following a covered loss to your car.

Other attractive features of our Automobile Insurance policies are:

  • Automobile Choice Endorsement (ACE)
  • Loss Experience Credit
  • Family Vehicle Credit
  • Good Student Discounts
  • Defensive Driver Credit
  • Hybrid Car Credit
  • Death Indemnity Endorsement

Ways to save

You can save money on your Auto insurance when:

  • Your vehicle has passive seat belt restraints, air bags, anti-theft devices and/or anti-lock brakes
  • You've taken driver's education classes
  • You insure more than one vehicle with us
  • You place both your Homeowners and Automobile policies with us for a multi-policy credit

Be sure to review your coverage with your agent to ensure that you have coverage that best meets your needs.