Auto Insurance

Auto Insurance

Harmon-McClintic Insurance, like you, sees the commercials about how easy it is to lower the cost of your insurance. Few, if any, of the commercials speak to claims service, having an actual licensed insurance professional to work with or the value of supporting the local economy.

Harmon-McClintic Insurance believes that when an auto accident occurs, we are within the first two or three phone calls. It’s this sense of urgency that lends our agents to want to help clients obtain high enough limits on their auto policy to offset liability suits and we believeHarmon-McClintic Insurance can do so at competitive prices.

The most common kinds of Auto Insurance are liability, collision, and comprehensive. We often recommend that our insured get under-insured, uninsured, and medical payments coverage.

 

Liability Coverage will cover the cost of injuries and property damage if you are found legally responsible for the auto accident that occurred.  Some of the things that this covers is:

• bodily injury
• vehicle damage
• vehicle replacement
• broken fences
• telephone poles
• lost wages

 

Collision Insurance will cover the cost of repairs your vehicle requires or it can cover the cost to replace your vehicle after an accident with another vehicle occurs.

 

Comprehensive Insurance adds another level of protection on top of Collision Insurance. Comprehensive coverage will cover more than just an accident with another vehicle, some of what is covers are:

• vandalism
• hail
• falling limbs
• hitting an animal
• glass damage

 

Under-insured Insurance will give you protection if you get into an accident and the other person is at fault and they do not have enough liability coverage.

 

Uninsured Insurance will cover, as it’s name says, drivers who are uninsured. This will also cover hit and run accidents. This is commonly paired with an under-insured insurance plan.

•  medical expenses as a result of an accident with an uninsured driver
• vehicle expenses as a result of an accident with an uninsured driver

 

A Medical Payments coverage plan will help cover the cost of medical payments. We both know how expensive medical bills can be, getting a medical payments coverage plan can you help with the payments.

• Health insurance deductibles and co-pays
• Doctor or hospital visits
• Surgery, X-rays or prostheses
• Ambulance and emergency medical technician fees
• Professional nursing services

 

We will provide you with rates from multiple insurance companies to help you shop for the best combination of price and coverage. We clearly explain the options, so you can make the best decision on which plan works best for you. Come in today to talk to one of our experts about getting a custom insurance plan today!