Your car came loaded with options, we make sure that your auto insurance policy does too. Basic insurance covers your vehicle for damage or loss, but with Personal Auto Insurance  through Oxford Millin you can also get protection from financial exposure due to injuries sustained in an accident — to yourself, your passengers, other drivers, or pedestrians — as well as damage to other people’s property.

 

Typical Auto Insurance coverages can include:

 

• Liability Coverage

• Comprehensive & Collision Insurance

• Medical Payments

• Uninsured & Underinsured Mororist protection

• Personal Injury Protection

 

 

 

 

Liability Coverage

 

There are two types of liability coverage - coverage for Bodily Injury and coverage for Personal Property. Most states require you to carry a minimum amount of liability coverage, or post a bond, to register your vehicle or obtain a driver's license.

 

 

Comprehensive Coverage

 

Comprehensive coverage pays for losses to the car resulting from fire, theft, falling objects, riots, storms, earthquakes, floods, and collision with a bird or animal. Comprehensive coverage is normally required if your vehicle is leased or financed.

 

 

Collision Coverage

 

Collision coverage pays for the damage to your vehicle resulting from accident with another vehicle or object.

 

 

Medical Payments

 

Medical coverage pays for medical expenses for you and your passengers as a result of a car accident.

 

 

Uninsured / Underinsured Motorist Coverage

 

On average 25% of drivers have no insurance and another 30% do not have enough insurance. Uninsured/Underinsured Motorist coverage provides liability coverage if an uninsured/underinsured motorist is at fault.

 

 

Personal Injury Protection

 

Personal Injury Protection (PIP) is generally required in no-fault states. PIP covers a broader range of medical costs than standard Medical Payments coverage. It covers lost wages and the replacement of the services of someone injured in an automobile accident.

 

 

See What You Could Save

 

Get a quote by calling us at 631-434-6666 (NY) or 215-517-7590 (PA) and learn more about Personal Auto Insurance through Oxford Millin.