Car INSURANCE

When you’re our client, you can choose to purchase coverage where the value of your car is determined and guaranteed before a covered loss. That means, if your car is damaged beyond repair or stolen, you get a check for that amount, regardless of age or mileage, within the policy period.  This coverage will save you on any negotiating that can occur after an accident. 

Total coverage from $5,000 up to $15,000 which includes reasonable expenses for transportation, meals and lodging, with no per-day limit.  Standard insurance companies offer daily limits up to 30 days.  Luxury automobile insurance offers a set amount, with no daily limit or time limit.  It is nice that you do not have to drive a car when you own an SUV or pickup.

If your vehicle needs repairs, a member advocate with one of our carriers can help locate a nearby repair shop, and we’ll pay for them to use original equipment manufacturers' (OEM) parts.  A lot of insurance companies will use what is called like kind quality (LKQ) to save money, we want to replace it with equipment from the original manufacturer.

All glass including, but not limited to, windshields, is covered. 

Combined Single Limit Liability insurance is a set number that the insurance company will pay, which includes Liability and Property Damage coverage. For instance, if you chose to carry $300,000 of Combined Single Limit coverage, you would be protected for both Liability and Property Damage coverage up to that $300,000 amount total in a single accident, regardless of how much the Property Damage is, versus the Liability payout.

If you rent or borrow a vehicle, you’re covered for both property and liability damage. And if you need to rent a car while yours is being repaired, there’s no daily limit. Your Member Advocate can even arrange to have the vehicle brought to you.