Affordable Automotive Insurance Protects You In More Ways Than One
Auto insurance protects you against financial loss in the unfortunate event of an accident. It is a contract between you and the insurance company. In a nutshell, what that contract says is that you agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy. Our goal here at the Lia Insurance Agency is to find the best automotive insurance coverage at the lowest possible cost, while continually providing you with exceptional and professional service.
What Does Auto Insurance Cover?
- Bodily Injury Liability
For injuries the policyholder causes to someone else.
- Property Damage Liability
For damage the policyholder caused to someone else's property.
- Medical Payments or Personal Injury Protection (PIP)
For treatment of injuries to the driver and passengers of the policyholder's car. At its broadest, PIP can cover medical payments, lost wages and the cost of replacing services normally performed by someone injured in an auto accident.
For damage to the policyholder's car from a collision. The collision could be with another car, a light post, fire hydrant, etc...
For damage to the policyholder's car that doesn't involve a collision with another car. Covered risks typically include fire, theft, falling objects, missiles, explosion, earthquake, flood, riot and civil commotion.
- Uninsured Motorist
For treatment of policyholder's injuries as a result of a collision with an uninsured driver. Underinsured motorist coverage can also be included in an auto policy. Underinsured motorist coverage comes into play when an at-fault driver has auto liability insurance, but the limit of insurance is inadequate to pay for your damages.