Auto Insurance
Auto Insurance with The Hood Insurance Agency
What do you keep in your garage? You may be practical in your car selection — a versatile hatchback or minivan is ideal. Perhaps you prefer the rugged image of an SUV, or you prefer the luxury of a convertible or a luxury sedan. Perhaps you are a car collector who also owns a vintage sports car or a classic muscle car for weekend cruising.
Whatever you drive, you know you need insurance for your car and assets. At The Hood Insurance Agency, we work with you to find the coverage options that enable you to get the auto insurance policy you want.
Common Risks Drivers Face on the Road
You Cause an Accident
Risk:
You cause a minor collision when glare from the setting sun blinds you in rush hour traffic. Damage is relatively minimal, but the other driver says her neck is in pain.
Coverage:
Liability insurance coverage pays for bodily injury and property damage to another that results from covered losses you cause.
You Accidentally Damage Your Own Car
Risk:
You’re on your way to a ski weekend when you lose traction on an icy road — the impact when you slide into a guardrail damages your SUV’s front fender.
Coverage:
Collision coverage can help repair your vehicle if it’s damaged — or compensate you for its value if it’s a total loss.
A Hailstorm Dents Your Car
Risk:
A sudden hailstorm cracks your car’s windshield and leaves dozens of dents on the hood, roof and trunk of your vehicle.
Coverage:
Comprehensive coverage can help when your car is damaged by something other than a collision.
An Uninsured Driver Hits You
Risk:
You suffer minor injuries when another driver runs a red light and clips your car’s rear fender. On top of it all, the driver doesn’t have auto insurance.
Coverage:
Uninsured motorist coverage covers the costs of your bodily injuries — up to your policy limit – when they are caused by an at-fault driver without any auto insurance. Underinsured motorist coverage picks up the costs of your injuries when an at-fault driver has some insurance, but not enough to cover all of your damages.
A Family Member Is Injured in a Single Car Wreck
Risk:
Your son and a passenger are both injured when his subcompact hits a tree.
Coverage:
Medical payments coverage can help with medical expenses if they’re caused by a covered accident — regardless of fault.
You Can't Work Due to a Car Accident
Risk:
You miss several days of work while receiving physical therapy for injuries sustained in a car accident.
Coverage:
Personal Injury Protection (PIP), where available, can help with medical and rehabilitation expenses, as well as lost wages.
Why Partner with The Hood Insurance Agency?
Without the assistance of an independent agent, it can be difficult, if not impossible, to distinguish between auto insurance policies.
At The Hood Insurance Agency, we work with you to find the perfect insurance product for you. We start by analyzing your insurance needs and consulting with our team of providers to create the best possible portfolio for you and your needs. In doing so, we help you save money, and find peace of mind.
If you’d like us to review your current policy and provide you with no-obligation quotes, call our office, enter some basic information in the fields below to get started online. Either way, we make the process super simple!