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Auto insurance protects you and your family should you have an accident. It serves as a contract between you and your insurance company. You pay a monthly or annual premium, and the insurance company promises to pay for specific car related financial losses based on the coverage limits we work together to establish. Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.
We will help you understand the recommended coverages for your vehicle based on factors such as where and how often you drive, where you live, and if there are multiple drivers using your vehicle. We help you select the best coverages for items such as:
- physical damage to your vehicle
- property damage related to an accident
- comprehensive and/or collision (see details below)
- towing and labor expenses
- and rental reimbursement.
Collision coverage pays for damage caused to your vehicle in an automobile accident based on 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.) Although it’s not legally required, you will probably need it if your car is financed.
Personal Injury Protection
Your policy will include coverage for your personal injury in the event of a car accident, regardless of who is at fault. This will protect you should you have an accident with an uninsured motorist.
The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by an accident, fire, theft, or other event covered by your insurance policy. Let us help you select the policy that best suits your needs.
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Hours of Operation
Monday - Friday 9am-4:45pm
Saturday - Sunday Closed
71 East Palisade Avenue
Englewood, NJ 07631