Elmco Auto Insurance

Auto Insurance

Elmco Insurance is committed to providing you with the best coverage on your auto for the lowest possible cost.

There are many factors which can affect the type of coverage that is best for your personal or business needs. Our licensed and professional personnel are trained to offer you exceptional service. Types of coverage include;

Liability - Bodily Injury/Property Damage. Covers damage that you may cause to other people's property or bodies in an accident. Minimum limits allowed by the state to satisfy financial responsibility requirements are $15,000 per person (bodily injury), $30,000 per accident (bodily injury), $5,000 property damage.

Medical - Sold in increments of thousands. $1,000 (minimum) to $25,000. Covers medical expenses incurred by you and your passengers in an auto accident. Not meant for major medical.

Uninsured Motorists - Minimum coverage allowed is $15,000 per person/$30,000 per accident. It is usually sold in the same limits as liability. It protects you medically in the event of an accident with an uninsured motorist which results in injury to you. You can collect from your own company. This is particularly important in the case of a hit and run driver. You may claim on this coverage if you are injured by an uninsured motorist while driving, while riding a bicycle, or walking.

Comprehensive - Covers your own auto for fire, theft, vandalism, flood, wind damage, broken glass, or any property damage not involving a collision. Usually written with a deductible of $50 to $1,000.

Collision - Cover your auto involved in a collision (with another car or anything else (i.e. animals, building). Usually written with a deductible of $100 to $1000.

Rental Reimbursement - Written on auto policy to cover $15 per day for rental if your auto is in the shop as a result of a collision. Maximum on most policies is 15 days or $300.

elmco

Auto Insurance

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