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Personal Auto Insurance protects you against financial loss in the event of an accident or theft. Basic personal auto insurance is mandated by most U.S. states, and laws very. Nearly every state requires car owners to carry Bodily Injury Liability and Property Damage Liability. In addition there are other coverage policies that may be mandated by your state or, if you are financing your vehicle, be required by your lender such as Medical payments or Personal Injury Protection (PIP) and Uninsured Motorist Coverage.
Personal Auto coverage options are priced individually to allow you to customize coverage amounts to best suite your exact needs and budget. Most policies are 6-month or 12-month terms and are renewable.
A Personal Auto Policy will cover you and other family members living in your household. Your policy extends to cover you whether you are driving your own vehicle, or someone else;s with their permission. Coverage follows the vehicle first and the auto second, meaning if you are in an at-fault accident while legally driving a friend's car, your friend's insurance would kick in first, and your insurance would cover any additional coverage needs.
Personal Auto policies only cover you when you are using a vehicle for personal use - such as running errands, commuting to work, or going on a road trip. Separate coverage may be required if you use your vehicle for commercial purposes, such as delivery. It is best to speak to an insurance professional is you have concerns about how you are using your vehicle.
Bodily Injury Liability: Covers costs associated with injuries or death that you or another driver causes while driving your car.
Property Damage Liability: Reimburses others for damages to property, such as another vehicle of fencing, caused by you or another driver driving your car .
Medical Payments or Personal Injury Protection (PIP): Provides reimbursement for medical expenses for injuries to you and your passengers. Can also be used to cover lost wages and other related expenses arising from injury.
Uninsured Motorist Coverage: In the event you are in an accident where the other motorist is at fault and does not have insurance or flees the scene, uninsured motorist coverage protects you and your passengers as if the at-fault motorist had bodily injury liability.
Underinsured Motorist Coverage: In the event you or your passengers are injured where the other motorist is at fault and the costs associated with your injuries are higher than the limits of the at fault motorist Bodily Injury Liability, this coverage will pay the difference between their limits and the limits of this policy (assuming they are higher).
Collision or Upset Coverage: Covers damages to your vehicle that are the result of a collision such as with another vehicle, tree or railing.
Comprehensive Coverage: Covers damages to your vehicle that were not caused by a collision, such as theft, vandalism, flood, etc.
Glass Coverage: Provides coverage for windshield damage. Some policies include this coverage while others require it to be purchased separately.
Gap Insurance: Collision and Comprehensive Coverage only cover the market value of your vehicle. Vehicles often depreciate faster than what is owed or the cost of replacing them. This can create a gap in what your insurance coverage pays and your costs in getting back on the road. Gap Insurance pays the difference.
Tammy has worked in the Insurance Industry for over 30 years. she is licensed in Life, Health, Property, and Casualty. having specialized
in Personal Insurance most of her career, Tammy has a deep understanding of insurance and the proper coverages that are needed.
Tammy is a dedicated mother of two who loves to travel and bargain hunt. she hopes to one day retire to a Tropical Island.
Gini was born and raised in California and moved to the Chicago area 4 years ago. She has had her Property and Casualty Insurance
License for 29 years. Gini attended Orange Coast College where she obtained her AA in business. In her spare time, Gini loves to travel
and enjoys gardening.
Chris started working in the insurance industry immediately out of high school, in the claims department for AAA. She moved to the service/sales side in the late 1990s and has been there ever since. Chris spent many years working in the collector auto insurance field
and has a deep appreciation for muscle cars. She loves working in the personal lines department, helping her clients understand the importance of proper coverage. In her spare time she loves spending time with her two grandsons.
Concklin Insurance Agency is committed to providing competitive and consistent insurance at an affordable rate. We believe in offering the right coverage for your unique needs and represent carefully selected, financially sound, and reputable A+ rated Insurance companies.
Our goal is to reduce gaps in coverage, reduce costs through loss mitigation and risk management, and reduce stress by hiring well-trained, experienced insurance professionals.