An endorsement is an amendment to your policy written especially to cover unique items just for you. It is also a change to your policy that is made during the policy's term. An endorsement is attached to your policy to modify the terms of the insurance contract.

Buying collision insurance is a personal decision. You may want to consider the value of your car or the amount of loss you can personally assume. Our aim is to help you decide what coverages are best for you.

Bodily Injury Liability coverage pays for injuries you or anyone covered under your policy may cause to others. Medical Payments coverage pays for reasonable medical expenses for you or your passengers, regardless of who caused the accident. Some states require passengers to first seek reimbursement under their own automobile policy.

A single limit policy provides one total amount of coverage for bodily injury and property damage in an accident, regardless of the number of people involved or the extent of the property damage. Split-limit coverage specifies individual amounts in an accident for an injured person, for all injured people, and for damaged property. For example, a $50,000 Single-Limit policy provides a total amount of $50,000 for bodily injury and property damage in an accident. A policy with $25,000/$50,000/ $10,000 Split-Limit coverage provides $25,000 per person.