Auto Insurance

Why should you consider this product?

  • Can provide coverage for bodily injury or property damage
  • Most states require a minimum liability limit to operate on any roadway
  • Medical payments cover injuries to you and the persons in your vehicle
  • Coverage is available if you are hit by an uninsured or under-insured driver
  • Comprehensive and collision covers damage to your auto


Liability Insurance covers bodily injury to others as well as property damage if you are in an accident. If you hit another vehicle, the driver is injured and their car is damaged, your policy will provide protection up to your policy limits. Different coverage options are available to fit your needs. Higher liability limits may be available through a personal umbrella policy.

Uninsured or Under-Insured Motorists

Bodily injury and property damage can be covered if you are involved in an accident with an at-fault uninsured or under-insured driver. It may also provide coverage for a hit-and-run incident.


Comprehensive Auto Insurance covers damage to your car caused by anything other than collision or overturn. Repair or replacement of broken glass, fire, theft, collision with an animal and vandalism are covered under comprehensive and subject to your policy deductible.


Collision Insurance covers damage to your car in the event of an accident or rollover. This coverage not only covers you should you collide with a guardrail, tree, or another car, but also if you come into contact with a pothole that causes significant damage to your vehicle.

Emergency Roadside Service

If you need towing, a jump-start, or are locked out of your car, Emergency Roadside Service Coverage will take care of the cost up to the limit of coverage on your policy.

Rental Reimbursement

Coverage provides reimbursement for your basic daily rental expense while your vehicle is being repaired as a result of a covered loss.

GAP / Loan Lease Coverage

Guaranteed Auto Protection (GAP) Insurance covers the difference between the actual cash value of a vehicle and the balance still owed on the financing in the event of covered total loss.
Disclaimer: Not all companies offer this coverage; check with your local Hickok & Boardman Insurance Group agent.

OEM Coverage

Purchasing Original Equipment Manufacturer (OEM) Insurance for your auto policy means that in the event of the loss of your vehicle, the parts replaced on your vehicle will be original factory equipment rather than aftermarket parts or used parts.
Disclaimer: Not all companies offer this coverage; check with your local Hickok & Boardman Insurance Group agent.

New Car Replacement Coverage

This coverage protects your investment in a new vehicle if an accident results in repair costs exceeding the actual cash value of your car. You can be reimbursed for the cost of replacing your vehicle with a new one rather than the actual cash value of your car.
Example: You buy a new car for $18,000 and within a year, the book value dropped to $16,000. At the same time, a new car identical to yours costs $20,000. If you are in an accident that totals your car, traditional insurance pays you up to the cash value, or $16,000 minus your deductible. If your car is totaled, New Car Replacement Coverage pays you for the cost of replacing the car with a new one, or $20,000 minus your deductible.

Have a classic or antique car in the household?

Consider buying special coverage for these. Check out a few reasons why here.

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