Commercial Auto

Whether you drive a heavy duty truck, a tow truck, a cargo van, or a small business vehicle, we’ve got the coverages you need.

Workers Compensation

If you have employees, you need Workers Compensation Insurance. We will help you wrap your head around what you need to do to ensure your business is covered.

Homeowners Insurance

Your home may or may not look like a castle. Whatever the case, that old saying is true: your home is your most valuable and expensive asset and should be protected

 

Auto Liability

An auto accident can happen in a split second. It can happen in less time than it does to dial a number on your cell phone, change a CD, or turn up the air conditioner. If an accident is your fault, you are financially responsible for damages to the other cars, drivers and passengers. Even if an accident is not your fault, a court can still determine that you are financially responsible. This is why you need liability coverage as part of your car insurance coverage.

“Liability” is a legal term that refers to responsibility for another person’s injury or loss. While questions about who is liable for what are typically decided in court, with settlements anywhere from thousands to millions of dollars. Having an insurance policy to protect you from such things is more than a good idea. In most states it’s the law.

Liability insurance is coverage from your car insurance company that pays the damages if you are in an accident. Claims will cause an increase in your premiums, but that still far outweighs the alternative, which is a court settlement.

 

As with all insurance, the higher the coverage limits on your policy, the higher your premiums, but since liability insurance is usually part of a larger auto insurance policy that also includes comprehensive and collision coverage as well as insurance coverage that will pay for damages if you are in an accident caused by an uninsured motorist, these limits are only a part of what makes up your total rate.

When shopping for liability insurance, it’s important to meet the required minimum coverage for your state (minimums vary greatly), but it’s also important to consider the whole financial picture. If you own a home or business, the state-mandated minimums are probably not enough coverage to protect those assets.

Remember also that your insurance company is only required to pay up to the limit of your coverage. If you are in an accident with multiple cars, and you are at fault (in some cases, even if you are not at fault) you can be sued for much more than the minimum coverage. After you request a liability insurance quote from CarInsuranceList.com, make sure you talk to the company you select, to make sure you’re getting enough coverage, and still staying within your budget.