AUTOMOBILE INSURANCE COVERAGE OPTIONS
Collision
Collision coverage protects you if you get hit or you hit another vehicle. Not only will you be covered if your vehicle is damaged, but if you are found not at fault your deductible could be waived.
Comprehensive
Comprehensive coverage protects you from damage to your vehicle by non-collision accidents as well as hit and runs. This might include theft, flood, fire, or weather. After you cover the deductible, insurance would cover the rest.
Optional Bodily Injury
Bodily Injury coverage is mandatory in most states and provides coverage in the event you are in an accident and the other person(s) is hurt. It would cover damages that you’re legally responsible for above and beyond state minimums.
Under | Uninsured Motorist
Uninsured Motorist Property Damage provides coverage should you get into an accident caused by other drivers who are not carrying enough insurance to cover your losses or expenses.
Personal Injury Protection
Personal Injury Protection, also known as “no-fault” coverage, provides protection for you in the event medical expenses, lost wages or other damages occur as a result of an automobile accident.
Medical Payments
Medical Payments Coverage provides coverage for medical expenses for you, your passengers, and family members driving the insured vehicle during an accident regardless of who is at fault.
For additional information on coverage options give us a call or fill out our contact form and we will get back in touch with you.
Customized Auto Coverage to fit your lifestyle.
We will customize your auto policy to fit you and your family’s needs. We understand that everyone’s lifestyle is not the same, so why should your auto policy be? We have several coverage options available to cover much more than the damage to your vehicle. Here are some of the common options we generally see our clients benefit from:
- Roadside Assistance
- Rental Reimbursement
- Custom Parts & Equipment
- Waiver of Deductible
Do you owe more than what your car is worth?
Minimize gaps in your insurance policy with MacCallum Group. Gap Insurance, or loan/lease payoff coverage, covers the “gap” between what is left to pay off your vehicle and what it is currently worth in the event it is totaled in a covered accident, theft or other types of loss. Although Gap Insurance is not right for everyone, it can certainly save you thousands in the event you’re in a serious accident. We can review this type of coverage with you and help determine if it is right for you and your family.
Contact us today for more information →
Umbrella Policy – extend your coverage.
Unfortunately, in today’s society lawsuits are pretty common. Everyday personal activities can potentially result in a liability claim against you. Claim settlements can easily extend beyond the normal limits of your policy coverage by hundreds of thousands, and sometimes millions, of dollars. Here are some of the benefits of having an Umbrella policy:
- Liability coverage over and above your homeowner and automobile policy limits.
- Protection from claims of libel, slander, and defamation of character.
- Protection from lawsuits resulting from damage to someone else’s property or injuries as a result of an accident.
- Coverage for false arrest, wrongful entry, invasion of privacy, and more.
Contact us for more information and make sure you are protected this year beyond your normal coverage
Based on industry data at-fault accidents can increase insurance premiums by 20-40% depending on several factors. That can significantly raise your yearly premium and also have a negative effect on driving work-related vehicles. We can look into your driving record and provide the best policy options.