Auto Insurance

With an Auto Insurance policy you will always be well covered.

We know that everyone needs auto insurance, but very few know why. Please look below to find general descriptions of types of insurance coverages.

You’ll want to consult your policy for terms, conditions and limits of your own auto insurance coverages. – Contact us. We will help!

Bodily Injury Liability

Helps protect you from paying medical costs, loss of income and funeral expenses of other people involved in an accident.

Property Damage Liability

Helps protect you from paying for the repair or replacement of another driver's car.

Medical Payments

Can help pay for some of your medical costs or funeral expenses if you or anyone in your vehicle is injured in a covered accident.

Personal Injury Protection Plan

Personal injury protection (PIP) can cover expenses related to injuries you sustained in a covered accident. These expenses can include medical and hospital bills as well as expenses not covered by your health insurance. Coverage will vary depending on the state you live in, and it can be a great supplement to your health insurance.

Personal injury protection insurance can include: income continuation, loss of services, funeral expenses and child-care expenses.

Auto Collision Insurance

Pays for damage to your car if you collide with another car or something else such a building, bridge or tree. If someone hits your parked car, this is considered a collision as well.

Auto Comprehensive Insurance

Pays for damage to your car caused by something other than a collision such as theft, fire, windstorm or hitting an animal.

Uninsured/Underinsured Motorist - Stacked

If you own two cars and have Stacked coverage, you can combine the uninsured motorist limits from the two cars insured on your policy.
Here's what that means. $50,000 /$100,000 Uninsured Motorist Coverage x 2 vehicles under insurance = $100,000 per person / $200,000 per accident.
When you have stacked coverage, the coverage limits can be higher. In this example, you would be able to collect up to $100,000 for your injuries, and up to $200,000 for all people injured in your car.

Uninsured/Underinsured Motorist - Non-Stacked

If you insure two cars - Non-Stacked on your personal auto insurance policy, each car has an Uninsured Motorist (UM) limit of $50,000 per person /$100,000 per accident. You purchased non-stacked UM coverage.
You will be able to file a claim with your insurance company for your injuries. With non-stacked coverage, you have up to the limit of $50,000 to pay for your injuries. $100,000 is the cap for all people in your car who are also injured in the accident.

Auto Insurance by Rivas Insurance Group