Automobile – Kelly Assurance

Auto Insurance

What you need to know.

Accidents can happen when you least expect them and Kelly Assurance is right beside you through life’s ups and downs. It makes sense to plan ahead with an insurance agency that can help you when you need it most. Auto Insurance helps to protect you financially from costs due to physical injuries, vehicle damage, theft, vandalism and legal liability.

When you buy an auto insurance policy, you are buying a package of individual coverages. Each coverage protects you against different types of losses. Once you understand the various coverages, you can decide which ones to include in your personal insurance package. You can also determine the limits of coverage you will need. The following are some common coverages found in an auto policy.

NOTE- Your policy may not contain all of these coverages.

Bodily Injury (BI) Liability Coverage pays, up to the coverage limits, for damages due to injury or death of others in a vehicle accident for which you or the operator of your vehicle are legally responsible. It also pays your legal defense costs. In most states this coverage is mandatory.

Property Damage (PD) Liability Coverage pays, up to the coverage limits, for another individual’s vehicle or property that has been damaged in an accident for which you or the operator of your vehicle is legally responsible. In most states this coverage is also mandatory.

Medical Payments Coverage pays, up to the coverage limits, for reasonable and necessary doctor, hospital and funeral expenses for you and your passengers injured or killed in an accident, regardless of who is at fault. This coverage is optional in most states without no-fault insurance systems.

Uninsured/Underinsured Motorist (UM/UIM) Coverage pays up to the coverage limits for pain and suffering which is not covered by medical, disability and PIP. Underinsured motorist coverage pays for bodily injury to you or your family resulting from the negligence of someone whose liability insurance limits are insufficient. The definition of an underinsured motorist varies from state to state.

Collision Coverage pays, up to the coverage limits, for damage to your vehicle caused by a collision or rollover. This coverage is usually required if you have a vehicle loan.

Comprehensive Physical Damage Coverage pays, up to the coverage limits, for damage to your vehicle resulting from theft, fire, vandalism, flooding, hail or other perils (but not damaged by collision or overturning). It is usually required if you have a vehicle loan.

Rental Reimbursement pays up to a specified amount for rental vehicle charges while your vehicle is being repaired for damage covered under your policy. If you prefer not to incur the cost of renting a vehicle yourself and cannot be without a vehicle while yours is being repaired, you might consider this coverage.

Towing and Labor covers some costs incurred for services rendered at the place of breakdown or for towing to a repair shop.

If you are interested in receiving a quote please fill out the form below and we will reach out shortly

Auto Insurance Quote Form

Auto insurance is a contract between you and the insurance company that protects you against financial loss in the event of an accident or theft. … Auto insurance provides coverage for: Property – such as damage to or theft of your car. Liability – your legal responsibility to others for bodily injury or property damage.

Please fill out the form below and we’ll have an agent reach out to you as soon as possible. Thanks

First Name

Last Name

Street

City

State

ZIP/Postal Code

Primary Phone Number

Alternate Phone Number

Date of Birth

Marital Status

Gender

Own or Rent Home?

Currently Insured?

If no, when did you have insurance

Current Carrier

How did you hear about us?

The information on this website is not intended to be exhaustive nor should any discussions or opinions be construed as legal advice

– it is intended for educational and/or informational purposes only.

Kelly Assurance not only protects your company from major risks, we also take steps to potentially reduce and eliminate losses before they occur.

We aim to migrate your risks through proactive education, strategy calls, and loss control programs.

Once you become a client at Kelly Assurance, you’ll have the on support of a dedicated Kelly Assurance service team staffed with licensed professionals who know your business.