You have Auto Insurance Just in Case the Unexpected Happens!

But do you have the right amount of Auto insurance?

As your Independent Insurance agent, I will personally review your policy and help you identify any potential overlaps or gaps in your coverage. We will also identify a range of discounts and coverage options that can save you money. We are committed to being your perfect choice for Auto insurance with personal service and great value for your insurance dollar makes us different:

  • As your agent, I help you develop the coverage that is right for you
  • Our goal is to provide the best products with the best benefits possible

When you have an insurance need, call Debbie Baskin at (901) 476-9977.  It's all part of our commitment to getting you back where you belong in the event of an unfortunate incident.

Our Auto policy offers you a wide variety of coverage options

Bodily injury and property damage

Injuries to other people and damage to their property are covered if you are liable for an accident. This coverage applies whether the car was driven by you, a qualified family member, or another driver using your car with your permission.

Personal injury

You're covered for medical expenses arising from an auto accident for you and qualified family members regardless of who is at fault. This coverage also pays a predetermined portion of lost income; a specific amount for essential services the injured person would normally perform without pay and medical expenses for other people injured in your car.

Uninsured Motorist

Uninsured motorist insurance will cover you if you're in an accident caused by an uninsured motorist or hit-and-run driver by paying up to the limit you select for bodily injuries to you, qualified family members, and any other person occupying your insured car. Similar coverage applies to a motorist whose insurance is not adequate to pay for Injuries, up to the limit you select, less the amount paid by the other party, if that driver is liable.


This coverage normally fills in the gaps for non-collision damages that may happen to your car except collision or upset. It includes damage from such causes as fire, vandalism, windstorms, sandstorms, falling objects, animals, water, or flood. If your car is stolen, Comprehensive pays a day rate, with a limit, for transportation expenses. Coverage begins 48 hours after you notify us and the police.


You're insured for accidental damage to your car caused by a collision with any object or by upset. Collision pays up to the actual cash value of your vehicle, less the deductible you select.

Optional coverage

You can choose the daily amount for car rental and travel expenses, up to a determined maxim amount, while your car is being repaired for collision damage or comprehensive loss more than your deductible, depending on the plan you select.

Loss of Use

Death and Dismemberment

With this option, you and other family members in your household are insured for death or certain injuries sustained in an auto accident, regardless of fault, up to the limit you select for you and your spouse.

Towing and Road Service

Service representatives across the United States and Canada will get you back on the road quickly and safely.

Additional Liability overages


Ask us about products that are cover expenses in a lawsuit. They will defend on your behalf, such as court costs, attorney fees, and in some cases investigator fees.

Insurance Coverage Reviews

In life, nothing stands still. And we want to make sure your insurance keeps pace with your changing lifestyle. When you get married, get that big promotion, buy a house or condo, start thinking about sending g the kids to college, or traveling during your retirement, you should review your insurance. Are there coverage gaps? Overlaps? Are there new discounts we can offer you?

We provide Auto, Home Owners, Renters, Business, Motorcycle, Recreational, Umbrella and Life Insurance.  Call us at (901) 476-9977 or get a free quote.