Personal Automobile Protection

If you would like a quote for Personal Automobile Insurance, you may call our office at 1-641-782-4626 so that we can provide you with the personal attention you deserve with your Auto protection.

Automobile insurance policies typically consist of several different types of coverage, and the price of your premium will depend on the type and amount of coverage you choose. By looking below you will be able to learn more about the different types of coverages that are offered.

General Liability
General liability insurance covers deaths, injuries, and any other damages resulting from an accident. This type of coverage is required by law in most states. Along with this, each state sets its own minimum liability coverage requirement. Liability insurance is typically presented in three steps:

Step One: bodily injury for a person in an accident
Step Two: maximum for all injuries in an accident
Step Three: maximum property damage in an accident

Medical Payments
Medical payments insurance covers you and members of your household in any type of accident involving an automobile whether you are driving, walking, or even in someone else's car. You will be indemnified immediately for yourself, passengers, and other parties involved in the accident no matter who is at fault.

Collision
Collision insurance is coverage for your own automobile in the event of an accident. Typically collision is optional. It is possible for collision to be required if your automobile is leased or financed to protect the interests of the lender.

Comprehensive
Comprehensive insurance provides coverage for your automobile in events other than those involved in collision. Examples include fire, theft, striking an animal, hail, and floods. Similar to collision, comprehensive insurance is optional, but could be required if your automobile is leased or financed in order to protect the interests of the lender.

Uninsured/Underinsured Motorist
Uninsured/Underinsured Motorist insurance protects you if you are injured in an accident where others do not have sufficient coverage or who have no coverage at all. This is a great way to guarantees protection for yourself while driving. Also, some states require Uninsured/Underinsured Motorist coverage.

Endorsements
Rental reimbursement: This insurance covers automobile rentals that are required because your automobile has been damaged or stolen.

Towing and Labor: This insurance covers charges that may be made due to automobile road breakdown.

Auto Replacement: This insurance guarantees that your automobile will be fully repaired or replaced even if the costs in doing so exceed it's depreciated value. This insurance coverage is not always available.