Our Automobile Insurance policies provide coverage for Bodily Injury and Property Damage Liability to others, as well as Physical Damage Coverage for your auto.
Bodily Injury Liability provides coverage for your legal responsibilities for accidents causing injuries to other drivers, pedestrians and passengers. Our Property Damage Liability coverage provides protection for accidents that damage the property of others. Legal defense costs, if any, are also covered.
First-Part Benefits Coverage is provided for medical expenses, rehabilitation expenses, income loss, funeral expenses and accidental death for you and others injured in an accident involving your car, regardless of who is at fault.
Uninsured and Underinsured Motorist coverage’s protect you or a member of your family from the cost of an injury in an accident if it was caused by a motorist without insurance coverage or without sufficient insurance coverage to pay the full amount you are legally entitled to receive as damages.
Our Automobile policies offer several options to help you get the most out of your insurance coverage. We offer Collision coverage to cover the costs of repair from the damage caused to your car by another vehicle. We also offer Other Than Collision coverage for fire, theft, vandalism, glass breakage and other perils. You can add coverage for towing and labor charges in the event your car is disabled, and Rental Reimbursement coverage will pay for the cost of a rental car following a loss to your car.
You can save money on your Automobile insurance if you have passive seat belt restraints and/or air bags in your vehicle. We offer further credits for anti-theft devices and anti-lock brakes. In addition, we offer discounts for those who car pool and for those who have undergone driver’s education classes. You can save additional money with our Multi-Car Discount available when more than one auto is insured by Tomlinson & O’Neil.