Auto Insurance

Although there are many different available options and services with our roadside assistance plans and every type of roadside assistance plan includes different options, roadside assistance coverage typically proivides protection for:

• Mechanical Breakdown
• Flat Tire Change
• Battery Jump Start
• Emergency Fuel & Fluid Delivery
• Locksmith Service

• Antique & Classic Cars
• Modern Collector Vehicles
• Modified Vehicles
• Classic Trucks & Utility Vehicles
• Motorsports Vehicles
• Vintage Motorcycles & Scooters
• Retired Commercial Vehicles
• Collector Traliers
• Vehicles Under Construction
• Classic Military Vehicles
• Antique Tractors

There are basically six different types of coverages. Some may be required by law. Others are optional. They are:

• Bodily injury liability – for injuries the policyholder causes to someone else.
• Medical payments or Personal Injury Protection (PIP) – for treatment of injuries to the driver and passengers of the policyholder’s car.
• Property damage liability – for damage the policyholder causes to someone else’s property.
• Collision – for damage to the policyholder’s car from a collision.
• Comprehensive – for damage to the policyholder’s car not involving a collision with another car (including damage from fire, explosions, earthquakes, floods, and riots), and theft.
• Uninsured motorists coverage – for costs resulting from an accident involving a hit-and-run driver or a driver who does not have insurance.
• Contents Coverage – Covers damage or loss of the contents of the recreational vehicle. Contents coverage is typically purchased at a set amount not to be exceeded in a claim payout.

Although most people think of 4-wheelers when it comes to ATV insurance, in some cases ATV insurance policies can also cover:

• Snowmobiles
• Segways
• Golf Carts
• Tracked All Terrain Vehicles
• Amphibious Vehicles
• Go Carts
• Certain Motorcycles

There several different types of motorcycle insurance coverages. Some may be required by law. Others are optional. The main coverages are:

• Accessory Coverage – Covers loss, theft, or damage to motorcycle accessories like saddlebags, custom handlebars, and OEM electronics.
• Comprehensive Physical Damage Coverage – Covers physical damage or loss of the motorcycle that is not the direct result of a moving vehicle collision.
• Collision Coverage – Pays for damage to an insured motorcycle when it hits or is hit by another car or object, or if the motorcycle overturns.
• Bodily Injury Liability Coverage – Pays damages for bodily injury or death resulting from an accident for which you are at fault and provides you with a legal defense. This includes passengers riding on your motorcycle.
• Property Damage Liability Coverage – Pays damages for physical damage resulting from an accident for which you are at fault and provides you with a legal defense.
• Medical Payments Coverage – Pays medical expenses of the parties riding on the motorcycle involved in a motorcycle accident.
• Personal Injury Protection Coverage – This is an extension of motorcycle insurance available in some states that covers medical expenses and, in some cases, lost wages and other damages.  PIP is designed to be paid without regard to legal liability.
• Uninsured/Underinsured Motorist Coverage –  Provides for a motorcycle operator to receive damages for any injury he or she receives from an uninsured, negligent driver. The coverage pays the difference between what the uninsured or underinsured driver can pay and what the injured operator would be entitled to as if the uninsured motorist had proper insurance
• Motorcycle Roadside Assistance Coverage – Roadside assistance and breakdown coverage assist operators whose motorcycle has suffered a mechanical failure that leaves the operator stranded.