You have Auto Insurance should the unexpected happen.
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 determine a range of discounts and coverage options to 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 vehicle was driven by you, a qualified family member, or another driver using your vehicle with your permission.
You're insured 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 generally perform without pay, and medical expenses for other people injured in your automobile.
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 vehicle. 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 usually fills in the gaps for non-collision damages that may happen to your vehicle except collision or upset. It includes damage from such causes as fire, vandalism, windstorms, sandstorms, falling objects, animals, water, or flood. If your vehicle is stolen, Comprehensive insurance may pay 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 auto 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.
You can choose a predetermined daily amount for auto rental and travel expenses while your vehicle is repaired. Your deductible depends 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 specific 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?