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INSURANCE

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CALL: (401) 683-0177
3056 E Main Road
 Portsmouth, RI 02871-4205
 
 
 
 

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A Trusted Choice Agency & Member of the Rhode Island Independent Insurance Agents Group
Featuring CLU & CPCU Designations

 
 

PERSONAL AUTO/ Motorcycle/ Off Road Vehicles/ Watercraft/
Recreational Vehicles in Rhode Island

Even the most careful drivers can cause an accident, and they don't even have to be 100 percent at fault to be financially liable for injuries and property damage.

  • Bodily injury coverage pays claims in the event you're responsible for an accident in which someone is injured
  • Property damage coverage pays claims for damage your vehicle causes to someone else's property, such as someone's car, mailbox, or a fence on someone's land
  • Comprehensive and Collision coverage’s pay to repair or replace your auto if it is stolen or damaged in an accident, regardless of who is at fault. For each coverage, you select a deductible that you pay out of pocket. Your insurance company pays for the remaining damage up to the limits you select.
  • With Collision coverage, your insurance company pays for damage to your auto when you collide with another vehicle or object. If you hit a car, a pole or another nonliving object, Collision coverage will apply
  • With Comprehensive coverage, your insurance company pays for damage to your auto caused by an event other than a collision, such as fire, theft or vandalism. If you hit an animal, or if your auto is flooded or stolen, Comprehensive coverage will apply

Uninsured/Underinsured Motorist coverage applies when the person at fault for an accident does not have insurance, or has inadequate limits. Uninsured Motorist Bodily Injury will cover injuries and damages you incur that the at-fault party is legally liable for, such as medical treatment and lost wages up to the limits you select.

If your injury expenses exceed the at-fault party's Liability limits, you can use Underinsured Motorist Bodily Injury coverage to pay for the amount not covered by the at-fault person's insurance. Similar to Uninsured Motorist coverage, Underinsured Motorist coverage is designed to cover the gap between the other person's Liability limits and the amount of your injury expenses, up to the Underinsured Motorist limits you select.

If the driver or owner of a vehicle is legally liable for an accident but does not have insurance or does not have enough insurance, you can use Uninsured/Underinsured Motorist Property Damage (UMPD) to cover damage to your insured auto, up to the limits you select. In some states, UMPD is available as an alternative to Collision coverage. Certain exclusions may apply. Refer to your policy.

Example:
A driver who has no insurance rear-ends your car while you're sitting at a stop sign. Your car has $2,000 in damage. You go to the doctor because your neck is hurting, and your total medical bills equal $300. Your Uninsured Motorist limits are $20,000/$40,000/$15,000, which means your injuries and the damage to your car fall within these limits and will be covered.

Medical Payments (MedPay) coverage pays the cost of necessary medical care you receive as a result of an auto accident and can be used regardless of who is at fault. MedPay often is limited to medical treatment received within the first three years after an accident and is limited to a specific dollar amount. In some states, MedPay only applies after other medical insurance is exhausted.

To accurately quote your auto insurance
• Year, make and VIN #s on all autos
• Full birthday – month, day and year for all drivers
• Use – Pleasure use 3 to 10/over 10/business
• Any moving violations/at fault accidents in the past 3 years?
• Any serious offenses in the past five years?

 
Please also think about coverage desired...

  • Limits of liability - lower 25/50/25 - medium 50/100/50Proper ( higher ) 100/300/100 or 300/300

  • Also think  about deductibles100 250 500We feel strongly regarding higher deductibles

  • Other Ideas - Should your adult children have their own policies.

  • Do you understand what an umbrella is?

  • Do you know how to set up a proof of indemnity file regarding not at fault accidents?.

Motorcycle

We can help build a policy to fit your needs including Accessory coverage, Comprehensive and Collision coverage, loss settlement options, Bodily Injury and Property Damage Liability, Medical Payments, Roadside Assistance. We can help you choose the best coverage for your needs.

 
Off Road Vehicles

Our agency can assist you with selecting coverage’s when it comes to insuring your ATV’s or Dirt Bikes.

Recreational Vehicle

We have competitive markets to quote your RV business with. 

Contact our insurance agency at (401) 683-0177 for a competitively priced insurance quote.

Serving All of Rhode Island & Massachusetts for More Than 30 Years