Auto insurance coverage has two parts. The first is the liability section of the policy. It covers your financial responsibility for injuring others. Some liability coverage is required by most states.
The second part of auto insurance covers the car itself: comprehensive coverage reimburses losses from fire, theft or other perils; collision coverage pays to repair losses caused by an accident. Often this coverage is mandated by leasing companies or banks. There are also ancillary medical, car rental and other coverage which vary by state.
Utilizing high deductibles on the physical damage coverage can help reduce premiums. If you carry umbrella insurance, you must be sure that you carry the required amount of basic liability insurance to avoid a gap in coverage for a serious accident.
If you are looking for an agent who really cares and gets involved with you even when you are filing a claim, the Len Webb is your man. I can't say enough good things about this Agency. They were on location when our church was flooded. Followed up on our claim and came by to check to see how we were doing during the repair and construction work. Thank you Len.
The agent Len Webb and claims adjuster handles this claim excellently. Thank you for your responding and concern for our Church.
9721 Dayton Pike - Suite D
Soddy-Daisy, TN 37379