Tort Explanations

Full Tort You retain unrestricted rights to bring suit against the negligent party. Limited Tort Limited Tort offers you significant savings on your premiums. You are still able to recover out-of-pocket medical and certain other expenses; however, you are not able to recover certain damages—such as payments for pain and suffering—unless the injuries meet one of the exceptions in the …

Which is Better Full Tort or Limited Tort?

The answer to that question really depends on what how you want to be covered on your auto policy for the ability to sue a negligent party. Either coverage is fine on an auto policy. Let’s look at the difference between the two. First, let’s talk about full tort. Full tort coverage gives you unrestricted rights to bring a suit …

What Does Property Damage Cover on an Auto Policy?

When you auto policy renewal in the mail, I’m sure you look at it and think to yourself, “What am I even paying for?” One coverage you’ll see is called Property Damage. Why do you need property damage on your auto policy? Property Damage coverage on an auto policy is coverage for someone else’s property that you may damage in …

Why Do I Need Uninsured/Underinsured Motorist Coverage On My Auto Policy?

In most cases when people purchase auto insurance they purchase whatever their agent tells them is sufficient. Most of the time an insured doesn’t know what they need or why they have certain coverages on their policy. Generally, the dollar amount of the policy is what speaks to them the most. You may think you won’t ever use those elective …

Our New Website

Welcome to our new and improved website! We’re glad you’re here to get to know us better and learn a little about who we are, what we do, and the value we deliver. We set out a number of goals we hope the new site accomplishes for you. One goal was to better organize all of our insurance lines so …