Auto Insurance

 Personal and Commercial Auto Insurance

auto-insuranceWe provide personal and commercial auto insurance coverage for cars, trucks, and recreational vehicles of every size. Some of our carriers include Progressive, Erie, Wadena, GuideOne and Sheboygan Falls.

Why Do I Need A Personal Umbrella Policy?

It makes sense that the more you own, the more risk you have, and the more you stand to lose in the case of a lawsuit. In today’s legal world, you stand even greater risk than ever before of being named in a large lawsuit, and your auto or personal liability limits may not be enough coverage for what a jury may award someone who sues you. In the event that you do not have enough coverage, a legal judgment may take away not only your savings or your property, but even your future earnings.

Do I need to purchase auto insurance when I rent a car?

Your auto policy responds to all your insurance needs with the car rental because it is viewed as a “replacement” vehicle under your auto policy. That also includes the deductible you have with collision, and, other than collision. The rental insurance waves the deductible so you have no out of pocket expense. It’s important to weigh this value against what the rental company will charge you for this benefit. Keep in mind that if you DO NOT carry Physical Damage Coverage (Collision and Comprehensive), your policy will not cover the physical loss to the rental car.

What happens if I have an accident?

If you have a accident, it’s important to obtain information on the other party involved from their insurance card (ID card). This includes insurance company name, phone number and policy number. Remain at the scene. Don’t admit fault, do not discuss the accident with anyone except the police or your Insurance company or Agent. If the police respond, ask when the police report will be available for pickup.

What is Gap insurance, and do I need it?

This applies to leased or financed vehicles and represents the difference in amount of the lease / loan value and the vehicle value when a claim is submitted. There are factors involved, including down payments, interest rates, length of lease, etc. The Gap insurance pays the difference to your lender and/or the leasing company.

Is Auto Insurance Required for Learners Permit?

A drivers or learners “permit” is permission to drive and therefore a temporary license with certain restrictions. You can obtain your own auto insurance or you can be covered under someone else’s policy such as your parents or the vehicle owners policy. It is wise to contact your Auto Insurance company to confirm weather someone with their Learners Permit needs to be added or if it is not necessary until they obtain their License. A drivers permit comes with all the responsibilities of anyone licensed who operates a motor vehicle on public roads, including financial responsibility.