Auto Insurance
Whether it's Your Proudest Purchase or a Practical Necessity,
Be Confident Your Vehicle is Safe
Auto Insurance
Whether it's Your Proudest Purchase or a Practical Necessity, Be Confident Your Vehicle is Safe
Auto Insurance from a Birds Eye View
Auto Insurance is a policy that provides protection
in the case of two main vehicle-related risks:
1
The risk of YOU damaging someone’s vehicle or property and/or causing injury to others.
2
The risk of OTHERS
damaging your vehicle
and/or causing harm to you.
Auto Insurance from a Birds Eye View
Auto Insurance is a policy that provides protection in the case of two main vehicle-related risks:
1
The risk of YOU damaging someone’s vehicle or property and/or causing injury to others.
2
The risk of OTHERS damaging your vehicle and/or causing harm to you.
Building Your Auto Insurance Policy
Every Auto Insurance policy should be reviewed and designed
by a trustworthy expert. However, there are a few frequently
needed coverages to protect you and your vehicle.
Some basic coverages include:
Building Your Auto Insurance Policy
Every Auto Insurance policy should be reviewed and designed by a trustworthy expert. However, there are a few frequently needed coverages to protect you and your vehicle.
Some basic coverages include:
Liability
Coverage for medical and/or legal expenses if you are found responsible for another person’s bodily injury and/or vehicle damage as a result of an auto accident.
Liability
Coverage for medical and/or legal expenses if you are found responsible for another person’s bodily injury and/or vehicle damage as a result of an auto accident.
Personal Injury
Sometimes called “No Fault Insurance,” this helps cover lingering costs after an auto accident, such as medical bills, physical therapy, funeral services, and others, despite whose fault it is.
Personal Injury
Sometimes called “No Fault Insurance,” this helps cover lingering costs after an auto accident, such as medical bills, physical therapy, funeral services, and others, despite whose fault it is.
Collision
Coverage for your vehicle if it is damaged or totaled as a result of a crash.
Collision
Coverage for your vehicle if it is damaged or totaled as a result of a crash.
Comprehensive
Coverage for your vehicle if it is damaged by a weather-related event, fallen object or vandalism – like a hail storm or fallen signage, just to name a few.
Comprehensive
Coverage for your vehicle if it is damaged by a weather-related event, fallen object or vandalism – like a hail storm or fallen signage, just to name a few.
Uninsured & Underinsured
Coverage for financial loss in case the individual who hits your vehicle does not have insurance or is underinsured.
Uninsured & Underinsured
Coverage for financial loss in case the individual who hits your vehicle does not have insurance or is underinsured.
Medical Payment
Coverage for the medical expenses that arise if you and/or your passengers need medical attention as a result of an auto accident.
Medical Payment
Coverage for the medical expenses that arise if you and/or your passengers need medical attention as a result of an auto accident.
Endorsements
Depending on your vehicle, you may need extra coverage. This could include Road Side Assistance, Rental Car coverage, or Specialty Vehicle coverage, to name a few.
Endorsements
Depending on your vehicle, you may need extra coverage. This could include Road Side Assistance, Rental Car coverage, or Specialty Vehicle coverage, just to name a few.
Do you Drive for Business?
Anytime you drive for the purpose of business, you incur different risks.
Are you an Uber or Lyft Driver? Do you own a business vehicle? Or use your personal vehicle to run business errands? For this type of driving activity, you will need Commercial Auto Insurance.
Why Heritage Insurance Advisors?
As an independent agency, we have the freedom to compare different carriers to find you more coverage for less money if we can! Our goal is to help you make educated insurance decisions, build a thorough policy, and be a phone call or email away when you need us. We hope you never experience any harm, but if an unexpected moment happens, we are here to support you.
Do you Drive for Business?
Anytime you drive for the purpose of business, you incur different risks.
Are you an Uber or Lyft Driver? Do you own a business vehicle? Or use your personal vehicle to run business errands? For this type of driving activity, you will need Commercial Auto Insurance.
Go the Extra Mile
with Umbrella Insurance
Because vehicles are often our biggest liability, a substantial part of auto insurance focuses on bodily injury and property damage losses. Umbrella Insurance steps in when your liability limits are simply not enough to cover a costly accident. If you're a driver who commutes often, car pools with other passengers, or owns significant assets, you would be wise to consider an Umbrella policy.
Go the Extra Mile with Umbrella Insurance
Because vehicles are often our biggest liability, a substantial part of auto insurance focuses on bodily injury and property damage losses. Umbrella Insurance steps in when your liability limits are simply not enough to cover a costly accident. If you're a driver who commutes often, car pools with other passengers, or owns significant assets, you would be wise to consider an Umbrella policy.
How to Save on Your Insurance
Bundle
Insuring your Auto, Homeowners, Renters, and Umbrella policies together not only means you avoid juggling multiple carriers and renewal dates, but it could also save you money.
Safe Driver Incentives
Several carriers offer incentives for driving in a way that is safe and responsible. These money saving programs can be discussed and explored with your Heritage Insurance Advisors expert.