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Choosing the Right

Auto Insurance Coverage

Coverages We Offer

Choosing the right automobile insurance coverage can be a confusing experience for most people. With different liability limits, comprehensive, collision, personal injury protection and medical coverages to choose from, it’s easy for most consumers to make simple mistakes that could quickly become a drastic consequence towards their financial stability and well being.

The value of good automobile insurance doesn’t become apparent until you really need it. Whether it’s a minor fender bender or a more substantial accident, it pays to have insurance coverage you can count on.

We offer competitive premiums and complete coverage for all your vehicles.

Coverages can include:

  • Preferred and standard auto

  • High risk auto

  • Motorcycle

  • Motor homes

  • Camping trailers, travel trailers, utility trailers.

  • Recreational vehicles: all-terrain vehicles, trail bikes, golf carts, mini bikes, dune buggies, jet skis and wet bikes.

  • Antique, classic or special-interest cars.

An as independent agent, it’s our job to represent you, the customer. Consistently working to provide the individual coverage you require. When it comes to protecting your auto(s), don’t leave it up to chance…being insured with the best certainly has its advantages.

In's & Out's Of a Declaration Page

Your Personal Auto Policy is a written contract between you and your insurance company. The policy’s declarations page contains accurate information concerning you (as the owner of the policy), the vehicles covered by the policy, and other identifying features.

  • Part A – Liability Coverage: Liability coverage insured you against injuries you cause to other people and damage you cause to other people’s property in an automobile accident. Liability claims for pain and suffering can be virtually limitless, so this is one area in which you definitely do not want to be underinsured. The PAP separates liability coverage into two parts: bodily injury coverage and property damage coverage.

  • Part B – Medical Payments Coverage: Medical payments coverage (med pay) pays medical expenses resulting from an automobile accident up to a specified dollar limit. The purpose of “med pay” is to provide payment for immediate medical treatment for passengers of your car who are injured in an auto accident. Because of this, there’s no need to wait and find out who is at fault and ultimately liable.

  • Part C – Uninsured / Underinsured Motorist Coverage: This coverage insures you against losses caused by someone who is completely uninsured or who has less than adequate insurance to cover the loss (undersinsured).

  • Part D – Coverage for damage to your auto: Part D coverage actually consist of two separate parts: collision coverage and comprehensive coverage. You can purchase either one or both of these coverages for each vehicle you own. In general, collision coverage insures you against damage to your vehicle caused in an accident. Comprehensive coverage insures you against all other physical damage to your car caused by such events as fire, theft, flood, and vandalism. These coverage can be written with or without a deductible (generally, anywhere from $100 to $1,000). The higher the deductible, the lower the premium, and vice-versa.

  • Part E – Duties after an accident or loss: This part of the PAP deals with the specific procedures that must be followed in order to have your claim covered by the insurer. It contains a list of general and specific duties that must be complied with. It’s essential to follow these procedures carefully, since timely payment of your claim may depend on your doing so.

  • Part F – personal auto policy provision: Part F or the PAP contains various provisions that limit and qualify the coverage provided in other sections of the PAP. Such provisions are commonly referred to as disclaimers. If the conditions set forth in this section are not met, the insurer may be able to deny coverage of a claim.

What is NOT Covered

You Personal Auto Policy identifies a number of events and situations that are specifically omitted or excepted from coverage. These are called exclusions. An example would be property damage and personal injury that you intentionally caused, or damage to a vehicle from normal wear and tear or mechanical breakdown.


You Personal Auto Policy also specifies certain caps on the dollar amounts of coverage you are entitled to receive under the policy. These are called limitations. Separate limits are generally set for liability, medical payments, uninsured motorists, collision, and comprehensive coverage.

It’s important to read your PAP so that you’re aware of all the applicable exclusions and limitations.

  • Individuals typically covered under a PAP: Named Insured – One section of the declarations page identifies you as the named insured, meaning you are the individual who is primarily insured under the policy. As the named insured, you and your vehicles receive the most extensive coverage under your policy.

  • Spouses: Your spouse is generally entitled to receive the same coverage as you (the named insured) under your policy if he or she lives with you, even if he or she is not identified as a named insured on the declarations page of your policy.

  • Family members: Family members (as defined in your policy) are insured by your PAP as long as they own, use, or maintain the vehicle covered by the policy. In fact, family members generally receive almost the same extensive coverage that you do (Unless an exclusion has been signed).

  • Other People: If your covered auto is involved in an accident, other people are insured under certain sections of the policy if:

    • they were using the covered auto (liability coverage),

    • they were occupying the covered auto (uninsured motorists and medical payment coverage)

    • they are legally responsible for the actions of any other person insured under the policy (liability coverage) or

    • they are entitled to recover due to any bodily injury suffered by you, your resident spouse, family member, or anyone using the covered auto (uninsured motorists coverage)

If a vehicle other than a covered auto is involved, other people are insured under your policy as long as:

  • they are not the vehicle’s owner and they are legally responsible for the actions of any other person insured under the policy (liability coverage) or,

  • they are entitled to recover due to any bodily injury suffered by you, your resident spouse, or relative (uninsured motorists coverage).

Get a Quote on Personal Auto Insurance Today!

800 W Market St, Bolivar, TN 38008


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