Auto
Auto insurance is required by the state of Iowa for every automobile owned and used. We offer insurance for your every day car to your old collector car.
*Click for definition
Products Offered:
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Auto* Any kind of insurance pertaining to the ownership, maintenance, or use of automobiles.
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Collector Car
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Motorcycle* Physical damage and/or liability insurance specifically to cover the exposures of motorcycles, motor scooters and motor bikes.
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Recreational Vehicles* this includes RV’s, watercraft, snowmobiles, ATVs, motor homes, and trailers.
Some common terms used with auto insurance are:
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Liability Coverage* Protection for loss incurred through legal liability for bodily injury and damage to property of others caused by accidents arising out of ownership, maintenance or use of an automobile.
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Medical Payments Insurance* Protection to pay the cost of medical care to an injured party regardless of whether the policyholder is liable. Written in conjunction with general and personal liability policies. A similar coverage, automobile medical payments insurance, is available in automobile liability policies.
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Uninsured Motorists Coverage* Under an auto policy, protection for the insured against bodily injury or property damage (in some states) caused by the negligence of an uninsured or underinsured motorist.
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Underinsured Coverage* Coverage an insured may purchase to protect his or her own self from damage or injury caused by a negligent party who does not have adequate limits of insurance to cover the loss.
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Collision Coverage* Coverage for the loss resulting from the striking of another object by a moving vehicle.
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Comprehensive Coverage* An "all-risk" type of physical damage protection for automobiles including theft but excluding loss by collision or upset (which may be added).
Definitions & information from Sage Property & Casualty. www.silverplume.com
