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Auto Insurance

What is auto insurance?

Auto insurance protects you against financial loss if you have an accident. Auto insurance policies may include coverage for liability, physical damage, and medical payments.

  • Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
  • Physical damage coverage pays for damage to, or theft of your car.
  • Medical payments coverage pays for the cost of treating injuries, rehabilitation, lost wages, and funeral expenses as a result of an auto accident.

 Why do you need auto insurance?

 It's about protecting yourself financially.

  • If you're in an accident or your car is stolen, it can cost a substantial amount of money to repair or replace the vehicle.
  • If you or any passengers are injured in an accident, medical costs can be extremely expensive.
  • If you or your automobile is responsible for damage or injury to others, you may be sued for much more than you're worth.
  • Not only is having insurance a prudent financial decision, many states require you to purchase auto insurance.

Martin & Zerfoss is an advocate for finding auto insurance that meets your specific needs.

 Here are a few things to consider as you prepare for the discussion:

  • How much can you afford to pay if you are involved in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)
  • What is the insurance company's level of service and ability to pay claims?
  • What discounts are available? (Ask about good driver, multiple policy and good student discounts.)
  • What's the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)

This website provides a basic summary of the insurance products offered by Martin & Zerfoss. It is not a statement of contract and coverage may not apply in all areas. For a complete description of coverage, please read the insurance policy, including all endorsements.
Serving insurance needs since 1978.

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