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Auto insurance provides peace of mind following an accident or unexpected event. Insurance coverage pays all or a portion of the financial expense occurring from collisions, theft, vandalism, damage from storms, flooding and other unexpected events. Both medical and automotive expenses are covered. If you’re found to be at fault, your auto insurance pays the expenses incurred by the other party or parties.
The State of Vermont requires drivers to have liability insurance. Your agent ensures your car insurance policy meets these legal requirements.
A personal automobile insurance policy covers liability, medical and uninsured/underinsured motorist liability. Liability coverage is divided into sections: Bodily Injury Liability, Property Damage Liability and Medical Payments. Bodily injury liability protection coverage pays for any injuries caused during an accident. Property Damage Liability pays for damages to another person’s property as a result of your accident, including repairing fences and fixing damage to the landscaping. Medical Payments coverage pays for medical bills for you and your passengers regardless of fault.
Drivers often opt to increase their coverage with comprehensive, collision, rental reimbursement and towing coverage. Collision and comprehensive coverages pay for damages you never expect to encounter, such as running into a deer on the highway or having a tree fall on your car during high winds.
Vermont requires motorcycle drivers to have motorcycle insurance. Our agents offer insurance policies for your motorcycle that protect both you and your motorcycle. Two out of three motorcycle accidents involve another vehicle. Make sure you’re fully protected.
Motorcycle liability coverage protects you, your passenger and others involved in the accident. Full liability coverage includes: (make below bullet points where asterics are)
- Bodily injury liability
- Passenger liability
- Property damage liability
- Medical payments
- Uninsured/underinsured motorist coverage
In addition, you can choose to add additional coverages to your motorcycle insurance policy. Collision coverage and comprehensive help cover the costs, minus a deductible, if you are in an accident.
Collision coverage pays for repairs to your motorcycle and to your protective gear, such as your motorcycle helmet, if you’re involved in a collision. Comprehensive coverage pays for damages, including damages to your radio/stereo system, caused by unexpected events like fire, flooding, theft or damage from objects like hail or tree limbs.
There are other important motorcycle coverage you may want to consider.
- Optional equipment coverage pays for damages to add-ons and custom equipment.
- Rental reimbursement pays for a rental used while your bike is in the shop being repaired.
- Towing and labor pays the expense of towing your motorcycle to the repair shop.
Our offices can walk you through the motorcycle insurance you need to meet state laws and optional coverages beneficial to your individual situation. Contact us today for more information or a rate quote.
The State of Vermont requires drivers of scooters to have scooter insurance with at least liability coverage. Liability coverage provides protection against bodily injury, medical payments, property damage and uninsured/underinsured drivers.
Thanks to their fuel efficiency and affordability, scooter use is surging. They’re inexpensive means of transportation for commuters and great for running errands because they travel faster than mopeds. The Department of Motor Vehicles in Vermont classifies scooters as motorcycles. Therefore, Vermont laws require scooter drivers to have a motorcycle endorsement on their license. Scooters must also be registered and inspected every year.
As stated earlier, you must have liability coverage on your scooter insurance policy to meet Vermont requirements. Additional insurance coverage options for scooter owners include:
Collision coverage: Pays for damages caused by a collision with another vehicle, animal or stationary object, such as a fence, telephone pole or tree.
Comprehensive coverage: Provides coverage paying for damages caused by unexpected situations like flooding, storm damage, tree limbs, theft and vandalism.
Custom parts and equipment coverage: Covers damages caused to add-on and customized scooter equipment.
Towing and labor coverage: Protects you from unexpected expenses if your scooter breaks down. Towing to a repair shop, charging a battery, emergency deliveries of fuel or oil and tire changes are included in this coverage.
We know you want to protect yourself from costly expenses following an accident on your scooter. Our agents will help you create a scooter insurance policy matching your specific needs and meeting state laws. Contact our office today for more information and a rate quote.
Our programs are flexible and understanding of customer needs. They include monthly automatic deductions from checking, online at our website, credit card and Check-By Phone
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Business Auto Insurance
The last thing a business owner needs to worry about it paying for costly damages to business vehicles. Commercial/business auto insurance allows you to rest easy. If you or any of your drivers are in or cause an accident the insurance policy pays for damages and medical bills.
Unlike personal insurance that covers the policy holders, businesses need auto insurance that protects all drivers of a company car and employees who drive their own vehicles while on the job. Only commercial or business auto insurance provides this coverage.
The components of a commercial/business auto insurance policy include:
- Commercial auto liability: Protects you from the expense following a collision between two or more vehicles.
- Medical payments coverage: Covers the expense of medical bills, including dental, following an accident.
- Uninsured motorist: Protects you from other drivers who either lack insurance or do not have enough coverage, as well as hit and run drivers. This coverage is included as part of Vermont’s required liability coverage.
- Collision: Covers damages caused by a collision between an object, including animals, and your company vehicle.
- Comprehensive: Pays for damages caused by another factor, other than collision, such as hail, tree branches or rocks.
- Loading and unloading coverage: Protects you from paying for damages caused to items you are transporting from one location to another.
Create the policy you need by combining these coverages. In the State of Vermont, liability insurance is mandatory, but you can add additional coverages to protect you from paying extensive amounts of money if one of your driver causes an accident. In addition, it helps you pay for any expenses your worker might face following a collision.
We specialize in creating commercial auto insurance policies that meet the needs of every business, large or small. Contact us today to learn more about a commercial/business auto insurance plan that fits your company.
Enjoy year round fun without worrying about damages caused to your recreational equipment. Recreational insurance protects you and your favorite recreational vehicle from damages occurring in a collision or some other unexpected event.
People often think their homeowners or auto policy covers damages to their recreational vehicles while being towed or parked in the yard or garage. This is not always true. Coverage can be limited in cases where it does apply.
We offer a full line of recreational insurance policies, including:
- ATV insurance
- Boat insurance
- Jet ski insurance
- RV insurance
- Snowmobile insurance
If you own a recreational vehicle, liability protection pays for damages and medical expenses occurring after a collision with another recreational vehicle, person or object. Liability coverage includes bodily injury and property damage protection.
Optional coverages that you should investigate are:
- Comprehensive coverage pays for damages caused by anything other than a collision. Damage from hail, flying rocks or falling tree branches is covered with a comprehensive policy.
- Damage protection for your ATV, boat or snowmobile trailer.
- Emergency service protection helps cover the expense of being towed back to shore.
- Roadside assistance coverage helps pay if you need to be towed from the woods or a trail system within a certain distance from the nearest road.
Our agents are fully knowledgeable, many enjoy recreational activities too! We can help you establish a recreational insurance policy that protects you and your equipment from costly expenses. Call us today for more information.
You may also wish to look into gap coverage that ensures the value of your car is equal to the loan value. Replacement Cost is another option of coverage, this is settled on a ACV basis then another check is issued to purchase a new car of like quality when the vehicle is involved in a total loss and meets eligabilty requirements
We will provide you with a professional review of your insurance needs at no cost or obligation.