Auto insurance is a highly important part of your daily life. When an accident happens, hopefully you will be fully, and effectively, covered. There are many choices when it comes to choosing coverage for you auto and our staff will help you make informed decisions regarding auto insurance. If you have a lienholder on your vehicle, you will be required to carry full coverage. Full coverage includes comprehensive, collision, bodily liability, medical payments, and underinsured/uninsured motorist coverage.
Several optional coverages are available as well. We offer Originally Manufactured Parts to ensure your vehicle’s replacements parts after an accident are original to your auto’s make and model. Towing and Labor, Rental Reimbursement, and Customization are other elected coverages.
If your driving record is not so hot, the Frazer Agency can help. We offer SR-22’s, and have specific programs for clients with motor vehicle records with speeding tickets and accidents.
Have a teenager preparing to get behind the wheel? Call us today and see how we can help you save money with a teenage driver!
Personal Umbrella Policy
It is important to think that every time you get behind the wheel of your car, everything you own and love is on the hood. You drive down the road with your life on the hood. In one fleeting moment, BAM!, all of that could be gone. Law suits happen daily, cases resulting from injuries and property damage, and most people sued are not millionaires. However, you need to protect yourself like one. You need to know you are protected. You need a Personal Umbrella Policy.
The Personal Umbrella Policy, or PUL as it is referred to, offers an extra layer of liability protection above and beyond the existing home and auto liability. The PUL is offered in increments of $1 million dollars. Therefore, if you have an auto and home policy with underlying limits of $300,000 and you have an accident, you will have liability coverage of up to $1.3 million. Call us today to discuss this valuable coverage option.
For more information on any of these options, contact us or request a quote today.
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