Auto, Boat & Recreational Vehicles
From the vehicle you drive every day, to your valued collector's car, boat, motorcycle, RV, snowmobile or ATV, we provide coverage options with more than the standard protection you would expect.
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Gain peace of mind with auto, boat and recreational insurance.
Your policy should include these types of coverage
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.
Collision Coverage
Pays to repair your own vehicle after an accident. Coverage applies after your deductible is met.
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.
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.
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.
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
We can also help you with...
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
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Time for an Insurance Review
Insurance is one of those things you tend to get and forget—until you have to make a claim. And that's exactly the wrong time to find out your coverage is inadequate.
READ MORE Click here to read more about time for an insurance review.
Protecting Your Wealth with Umbrella Insurance
If you own a house and have a retirement account or other investments, an umbrella policy should be a part of your financial plan and a step towards protecting your wealth.
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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.
FIND AN ADVISOR to find a Johnson Financial Group advisor.