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Gain peace of mind with auto, boat and recreational insurance.

Protects your investments. 

Provides coverage for medical expenses after an accident. 

Protects you against damages from a lawsuit.  

Protects you from uninsured or underinsured motorists. 

Protects you from expenses related to theft, vandalism or other disasters. 

Your policy should include these types of coverage

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Bodily Injury Liability & Property Damage Liability

Liability Insurance – covers the costs of damage that you may do to others including property damage and bodily harm. It also covers legal defense fees.

Property Damage Liability – coverage compensates to replace or repair property that is damaged or destroyed including other vehicles, fences, buildings, etc.

Bodily Injury – coverage compensates for medical bills and lost wages. It also pays for pain and suffering due to an injury or wrongful death.

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Collision Coverage

Pays to repair your own vehicle after an accident. Coverage applies after your deductible is met.

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Comprehensive Coverage

Pays for damages to your car by events not caused by an accident, such as fire, theft, vandalism, natural disasters and hitting an animal.

Glass coverage is also covered under this portion of the policy. Depending on your insurance company, your deductible may be waived if you have a chip in your windshield and have it repaired. Once the chip turns into a crack, your deductible will be applied towards the replacement of the windshield.

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Medical Payments

Coverage that compensates for medical expenses for the driver and passengers as a result of an accident, regardless of who was at fault.

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Personal Injury Protection & No‐Fault Coverage

Personal Injury Protection – coverage that pays for medical expenses and lost wages for the driver and passengers who are injured in an accident. It also covers funeral expenses, and is required in many states.

No‐Fault Coverage – pays for losses, regardless of who was at fault in the accident.

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Uninsured/Underinsured Motorist Coverage

Underinsured Motorist (UIM) – Coverage takes effect when you are hit by a driver who does not have enough automobile insurance to cover all of your medical bills. In this circumstance, the at‐fault driver's insurance would pay to its maximum, and your policy's UIM would cover the remainder up to your maximum, as applicable. In some states and some policies, UM and UIM may cover property damage.

Get greater protection with these coverage options

Repair or Replacement Auto

Protects your investment in a new car if an accident results in repair costs that exceed the actual cash value of your car. 

Emergency Road Service

Pays for towing your vehicle and mechanical labor if your vehicle becomes disabled, delivery of gas or oil, assistance with changing a tire, a jumpstart and locksmith services. 

Gap Insurance: Auto Loan/Lease

Pays the difference between the actual cash value of your new vehicle and the remainder left on your vehicle loan/lease if the vehicle is totaled. 

Rental Reimbursement

This coverage helps pay for a rental vehicle if your car is in the shop after an accident. 

Save up to 20% in annual insurance premiums when you choose to bundle your auto and homeowners policies.

Repair a chipped windshield immediately, especially if it is cold outside. Cold temperatures tend to turn chips into cracks. In general, coverage applies after your deductible is met.

We can also help you with...

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Personal Loans

Financing your goals requires an advisor on your side who is focused on you and your success. We take the time to understand your needs to help you create a plan that aligns with what is most important to you.

LEARN MORE about personal loans.

Related Resources

Have Questions?

We're here to help.

Give us a call at 888.769.3796 and select option 3.

Andrea Thunhorst
Andrea Thunhorst, Personal Insurance Sales Executive, Kenosha, WI

Advisor and an Advocate

If the unexpected happens, service and responsiveness become as important as the dollar value of your coverage. Having an advisor on your side means you'll have a personal advocate working with you and looking out for your best interests while handling your claim.

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