Automobile & Other Vehicles

Bruce Martin Insurance can provide comprehensive, affordable coverage for all of your
vehicles. Our insurance professionals will work with you to develop multiple coverage
options and give you a personalized recommendation to meet your individual
circumstances. Here are a few things to consider in deciding what insurance coverage
is right for you:

Collision Coverage

• Covers you vehicle if you are in an accident. This coverage is intended to repair
  your vehicle to the condition it was in before the accident.

Comprehensive Coverage

• Covers you vehicle if your vehicle is stolen or sustains damage from
  something other than an accident, such as a hail storm.

Deductible

• The amount that you pay toward a loss under collision and
  comprehensive coverage. This amount is paid first, before your
  insurance policy provides coverage.

Liability Insurance

• Covers a claim against you for damage that you caused by hitting
  someone or their property.

Limit

• Refers to the amount of insurance you purchase and the maximum
  coverage that would be paid on a claim. For example
  50,000/100,000 limits of liability cover $50,000 per person and
  $100,000 per incident.

Medical Payments (Med Pay)

• Covers medical, surgical and funeral expenses for you and
  passengers in your vehicle, if you have an accident.

Personal Injury Protection (PIP)

• Covers expenses for you and others if you have an accident. This is
  the basic coverage implemented in some states with No-Fault
  Automobile Insurance.

Rental Reimbursement

• Covers the cost of a rental car while your vehicle is being repaired as a result of a covered loss.

Uninsured Motorist Coverage

• Protects you if someone without auto insurance hits you.