Accident or natural disaster, we have you covered.
The majority of us depend on our car to get us from place to place, and appreciate that luxury. While you try to be a careful and cautious driver, unfortunately, mistakes happen every day, making driving a dangerous undertaking. Whether it be a car accident, natural disaster or hail damage, auto insurance protects you and your car from the unknowns that occur when you least expect them. Moyer & DesCombes works with the most reliable auto insurance companies so you, your family, and your valuables will be protected.
Depending on the company you choose, you could receive the following discounts:
Good Driver Discount
Good Student Discount
Safe Vehicle Discount
Combining Homeowner’s Policy with your auto insurance carrier
Additional advantages you could enjoy:
Free Windshield Restoration
Access to a 24-Hour Claims Emergency Telephone Number
Flexible Payment Benefits
Advantages vary from company to company, and some require the purchase of certain coverages. We’ll review the options with you to find the company and coverage that are the best fit.
Find A Policy That Works For You
When you buy an auto insurance policy, you are buying a package of individual coverages where each different coverage protects you against specific losses. Once you understand the various coverages, you can pick and choose and only include the policies that fit your needs. Another added benefit is you get to determine the limits of coverage needed. NOTE – Your policy may not contain all of these common coverages:
Bodily Injury (BI)
In accidents where you or the operator of your vehicle are found legally responsible, bodily injury liability coverage pays, up to the coverage limits, for damages due to injury or death of others in a vehicle accident. On top of the damages, it pays for your legal defense costs. In most states this coverage is mandatory.
If your car is damaged or ruined in a wreck, collision coverage typically pays, up to the coverage limits, for damage to fix or replace your vehicle or the vehicle you are operating. Examples of accidents covered include: a collision, rollover, or hitting a static object like a pole or tree. This coverage is usually required if you have a vehicle loan.
Property Damage (PD)
Piggy-backing off of bodily injury liability coverage, property damage liability coverage covers, up to the coverage limits, the cost for another individual’s vehicle or property that has been damaged in an accident where you or the operator of your vehicle is found legally responsible. This coverage is also mandatory in the majority of states.
Comprehensive Physical Damage Coverage
Covers, up to the coverage limits, damages to your vehicle or any vehicle in your custody resulting from, but limited to: theft, water damage, fire, vandalism, hail, lightening, etc. (but not damaged by impact or overturning). It is usually required if you have a vehicle loan.
Medical Payments Coverage
Covers, up to the coverage limits, reasonable and necessary medical and funeral expenses for you and your passengers injured or killed in an accident, regardless of who is at fault for the affliction. Payments tend to be limited to one to three years after the accident happened. In many states without no-fault insurance systems, this coverage is optional.
Helps pay (up to a certain amount) for rental vehicle charges while your vehicle is being repaired or replaced from damages that are covered under your policy. This coverage should be highly considered by those who wouldn’t prefer the cost of renting a car, as many individuals cannot perform daily activities without a car.
Towing And Labor Coverage
Uninsured Underinsured Motorists Coverage
Underinsured motorist coverage, regardless if it’s you or a family member, pays for the bodily injury resulting from the negligence of someone whose liability insurance limits are insufficient. UM/UIM coverage pays up to the coverage limits for pain and suffering which is not covered by medical, disability and PIP. The definition of an underinsured motorist varies from state to state.
Towing and Labor Coverage
Covers some costs incurred for services rendered at the place of breakdown or for towing to a repair shop. Towing and labor coverage usually pays for the delivery of gas, oil or a battery, but not the actual cost of these items. Costs such as locking your keys in the vehicle or needing a tire change may also be covered. Since these services are usually included in auto club memberships, it can result in unnecessary duplicate coverage.