Hales Insurance Agency

Personal Auto Policies

Personal auto insurance is a complicated area. Some insurers lead you to believe that discussing this subject with an inexperienced telemarketer is a quality substitute for having a personal agent. Don't believe that for a minute.

Generally speaking, most Personal Auto policies can offer these basic coverages:

  • Bodily Injury Liability - Covers your negligence for accidental injury or death of another person if caused by you in an automobile related accident.
  • Property Damage Liability - Covers your negligence for accidental damage to other people's property if caused by you in an automobile related accident.
  • Defense Costs - Covers court costs, legal expenses and attorney's fees.
  • Collision - Covers damage to your car caused by colliding with another object, regardless of who was at fault.
  • Other Than Collision - Covers your car against damage from fire, lightning, flood, theft, glass breakage, falling objects and other specified perils.
  • Uninsured / Underinsured Motorist - Covers bodily injury and property damage suffered by you, your family and anyone riding in your car against the damage caused by another party if they are uninsured or underinsured (lower limits than your policy). This can include a “hit and run” driver.
Some available discounts are –
  • Insuring multiple cars on the same policy
  • Pleasure use classification for Seniors, etc.
  • Airbags, antilock brakes, alarm systems, etc.
  • For young drivers - Good Student, Driver Training and Away from Home discounts

Through our years of experience we have proven time and time again that there is no substitute for having an agent to guide you. Price is part of the issue, not the entire issue. The bitterness of poor coverage and service will linger long after the happiness in discovering cheap coverage.

Talk to us about the unique features of our auto plans. Call or Email us to find out the latest coverages available or complete our online information request form.

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