Insurance for Individuals

Automobile Insurance

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Legal requirements for your automobile insurance may vary slightly from state to state, and circumstances such as financing may dictate certain levels of coverage. It is worth investing in coverage that provides maximum protection for you and your family. McManamon Insurance can assist you in determining the details of your coverage, and always puts your best interests first.

A Quick Review of Automobile Insurance Coverage

(Please refer to your contract for specifics pertaining to your existing policy.)

Liability coverage offers protection against claims, property damage or bodily injury to a third party that you or a member of your household accidentally caused, and is legally responsible for, while driving your car.

The Medical Payment portion of your policy provides you, your family members, and passengers, the assurance of necessary medical and dental services resulting from an auto accident, regardless of who caused the accident.

Uninsured Motorist coverage and Underinsured Motorist coverage address the expense of injury incurred should you, your family members or passengers be involved in an accident with an uninsured or underinsured motorist, or even a hit and run accident. In some states property damage coverage is also available in these circumstances.

Collision coverage addresses the cost of damages to your vehicle during an accident, and Comprehensive coverage applies to damages to your car resulting from a situation other than a collision. Comprehensive coverage often applies to breakage of glass, falling objects, fire, theft, windstorm, hail, water, flood, malicious mischief, vandalism or impact with a bird or animal.

Personal Injury Protection (No Fault) is required by some states to cover you, your family and any passengers under your policy regardless of who is responsible for the accident. This coverage includes medical, surgical, dental, hospital, work loss and certain other related expenses.

Additional optional coverage includes items such as Towing and Labor, Rental Reimbursement, Tapes and CD's, CB radio and/or Car Phone coverage.

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