Auto insurance is probably the most common type of insurance for individuals.

Just as with the other types of insurance offered by The Hartwell Corporation, our agents have deep experience in putting together the right type of auto insurance package for your circumstances, representing the appropriate combination of cost and coverage.

Auto insurance can be broken down into the following types of coverage. Clicks the links below for more information.

Liability Coverage

Medical Payments Coverage

Uninsured Motorists Coverage

Underinsured Motorists Coverage

Coverage for Damage to Your Vehicle

Optional Coverages

Liability Coverage     ▲TOP

When a claim is made against you or someone driving your car with your permission, your Liability Coverage pays for:

• bodily injury to others and damage to the property of others when you are liable
  (up to the policy limits)

• all court costs and the costs of experienced lawyers to protect your interests -
  whether you are at fault or not - whenever the claim or suit against you is based on
  an act that is covered under the policy

• the cost of bail bonds (up to $250), attachment and appeal bonds

• up to $50 a day for loss of earnings because of trials you attend at the
  insurance company's request

Medical Payments Coverage     ▲TOP

Medical Payments Coverage pays for doctor and hospital bills resulting from injuries received in automobile accidents, or when bicyclists or pedestrians are struck by motor vehicles. Insured persons include you, your spouse, resident relatives and guest passengers riding in your auto. Reasonable funeral expenses are covered, within the limit of Medical Payments Coverage. No deductible or co-insurance applies to Auto Medical Payments.

Uninsured Motorists Coverage     ▲TOP

Uninsured Motorists Coverage addresses the problem of trying to collect compensation for bodily injury caused by uninsured drivers. This includes hit-and-run drivers.

Uninsured Motorists Coverage usually is offered in the same amount as your Bodily Injury (BI) Liability Coverage. If you have Uninsured Motorists Coverage, your insurance will pay for bodily injury or death from an auto accident caused by an uninsured or hit-and-run driver who is at fault. The coverage pays for you, your spouse, resident relatives and guest passengers riding in your auto.

Underinsured Motorists Coverage     ▲TOP

If an accident resulting in bodily injury to you, your spouse, resident relatives, and guest passengers costs more than the 'at-fault' person's auto policy will pay, Underinsured Motorists Coverage may provide additional compensation for the injuries.

Coverage for Damage to Your Vehicle     ▲TOP

Collision – Pays for repairing or replacing your vehicle after an accident, regardless of fault. Collision carries a deductible amount that you specify in your policy.

Other Than Collision – Covers repair or replacement of your vehicle for such hazards as fire, theft, vandalism, and glass breakage. Protection is in force without regard to fault. A deductible amount will apply under this coverage.

Optional Coverages     ▲TOP

Towing and Labor – Provides coverage for the following:

• towing your car to the nearest place where necessary repairs can be made
  during regular business hours

• mechanical labor, up to one hour, at the place of it's breakdown

• changing of a tire

• delivering of gasoline, oil, or loaned battery, but not the cost of these items

Rental Reimbursement – Helps you pay for a rental car when your car is being repaired as a result of collision or comprehensive damage that exceeds the deductible.

Loan/Lease Gap Coverage – If you are paying on a car loan or have leased your car, there can be a difference or gap between the value of the loan or lease and the actual cash value of your car. You can cover this difference between the unpaid amount on the loan or lease and the value of the auto with special Loan/Lease Gap Coverage. It can be purchased only if you purchase Comprehensive and Collision Coverage. Loan/Lease Coverage applies only in the event of the unexpected end of your loan or lease due to a total loss covered by your policy. The coverage will pay any unpaid amount due on the loan or lease for your covered auto less:

• the amount paid under your Comprehensive or Collision Coverage

• overdue loan/lease payments at the time of loss

• financial penalties imposed for excessive use, abnormal wear and tear, or high mileage

• security deposits not refunded by a lessor

• cost for extended warranties or insurance purchased with the loan or lease

• carry-over balances from previous loans or leases

The premium for Loan/Lease Coverage is normally a small percentage of the combined Comprehensive and Collision Coverage premium.

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