Auto Insurance

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You’ve got to have it—now what?

You’re required by law to carry auto insurance. So you may not think it makes a difference if you get it from a talking lizard, a comic spokesperson, or a locally owned insurance provider like us.

If all insurance is alike, what difference does it make where you get your coverage—just shop around for the best price, right?

There is a Difference

We’ve seen our share of accidents. But out of all the claims we see on a daily basis, few are as frequent, or as potentially life changing, as accidents involving an automobile.

You may think you want the cheapest insurance you can find, but realize you may not be getting everything you think you’re bargaining for.

Because while most insurance products are similar in price and overall function, insurance providers are very different when it comes to structuring a policy that actually covers you.

We’re your neighbors. We protect people we know and care about, and that means we always look for ways to protect you better, including carefully choosing the insurance companies we represent to be both affordable and responsive.

What's Insurance for anyway?

Keep in mind that you can’t buy insurance after you have an accident. Therefore, you should think carefully about the position you want to be in if you should ever be in an accident.

What Auto Insurance Covers—and What’s Optional...

Every policy we offer meets the following minimum coverage requirements:

  1. Property Damage Liability
    In the event of an accident this coverage will pay for the damage you cause to another person's property.
    Minimum Limit of $5,000
  2. Bodily Injury Liability
    If you injure someone in an accident, this coverage will pay for the medical and rehabilitation expenses of the injured party.
    Minimum limit of $15,000 for injuries to a single individual; $30,000 total per accident
  3. Medical Benefits
    This will pay for the medical bills of anyone covered by your policy, regardless of fault.
    Minimum limit of $5,000 - Higher limits are available
  4. Limited or Full Tort
    "Tort" is a civil wrong that can be redressed by awarding damages. So far as auto insurance is concerned, you have the option of limited or full tort. Limited Tort allows you to recover all out-of-pocket damages from the negligent party, but you may not be able to recover other damages, like payment for pain and suffering. With Full Tort you are unrestricted in your right to bring suit against the negligence on behalf of another party.

Options

We here at Joyce, Jackman & Bell Insurors also offer Uninsured Motorist (UM) and Underinsured Motorist (UIM) protection to our clients. This coverage applies to you and your family in the event that you are involved in an accident where an UM or UIM is at-fault.

You may also purchase Collision and/or Comprehensive Coverage. All banks require collision coverage as a condition of financing your vehicle. Our Collision will pay for the repairs to any covered vehicle resulting from an accident.

Comprehensive covers losses due to theft, fire, flood, vandalism & striking an animal.

Extras

Typical auto insurance policies protect you from the big costs of an accident, but we know that it is the little costs that add up too, which is why we offer these extras, and more to all of our clients:

  • Rental Reimbursement
    If you are involved in an accident that is covered by a comprehensive or collision loss then we will reimburse you up to the limit of your policy for the cost of renting a replacement vehicle.
  • Towing Coverage
    Should your covered vehicle become disabled we will pay for the costs of towing and labor to your favorite mechanic or auto-body specialist.

Why We're Different

You may think you want the cheapest insurance you can find, but realize you may not be getting everything you bargained for…

While most insurance products are similar in price and function, insurance providers are very different when it comes to structuring a policy that actually covers you.

There’s no such thing as a one-size-fits-all insurance policy when it comes to your business.

We’re your neighbors. We protect businesses and people we know and care about, and that means we always look for ways to protect you better, including carefully choosing the insurance companies we represent to be both affordable and responsive.


Adria Gaughan

Adria Gaughan

Client Service Manager

570-654-5236

570-654-8275

Kelly  Dolphin

Kelly Dolphin

Director of Sales & Marketing Personal Insurance

570-654-7206

570-654-8275

Auto Insurance

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