“Christy was absolutely fabulous as always. Professional, very knowledgeable, and a great personality. Never would I trust anyone or any other company to handle all my questions and transactions except her, and boy have I ever kept her busy over the years. She always makes time for me even after hours when I’m at a Dealership with questions!”
Personalized coverage that protects
Whether visiting friends and family, running errands, commuting to work or enjoying the open road, you rely on your car every day. So you need a comprehensive auto insurance policy that you can rely on too, and that means not having to choose between affordable car insurance coverage and the right car insurance coverage. It may sound like common sense, but too often in today’s insurance world, customers purchase policies that don’t have them – or their vehicle – fully covered. That’s where Haylor, Freyer & Coon can help, with partnerships and people that balance low prices with high levels of protection.
With over 25,000 personal insurance policies in force, we are able to leverage our size to secure the most competitive automobile rates available today. Of course, providing great rates is only part of what we do. Our licensed Personal Insurance Account Managers take a closer look at each policy and situation to ensure you have the maximum coverage that you need – not what simply meets state minimums. To make sure you are always covered and protected in any situation, we provide supplemental coverage for uninsured motorists. After all, your car is important to you, and you’re important to us.
A basic Auto Liability Insurance Policy may include:
Bodily Injury Coverage – Pays for costs associated with injuries to the other person
Property Damage Coverage – Covers property that your vehicle damages during an accident(i.e., another person’s vehicle)
Personal Injury Protection (PIP) / No-Fault Coverage* – Covers medically-necessary expenses, regardless of who causes the accident
Uninsured / Underinsured Motorist Coverage* – Covers you if you’re in an accident with an at-fault driver who doesn’t carry or doesn’t have enough liability insurance
*Basic minimum coverage requirements varies by state. Only No-Fault states also require no-fault coverage included for Auto Liability policies.
Reasons we recommend Supplemental Auto Insurance Coverage
Medical Payments Coverage – Covers medical costs for you and your passengers if injured in an accident
Optional Basic Economic Loss (OBEL) Coverage – Covers your excess losses associated with a car accident(i.e., uncovered services, lost wages, rehab, & psychiatric care)
Collision Coverage – Covers damages to your vehicle that resulted from a collision
Comprehensive Coverage – Covers damage to your car that was associated with theft, fire, vandalism, accident with animal, or windshield glass breakage
Towing and Roadside Assistance – Covers roadside services and tows for vehicles that you drive
Frequently Asked Questions
Does my auto insurance cover my pet?
Generally animal passenger coverage is an add-on insurance product. This coverage is usually available to you at a low or no additional cost.
Does my auto policy cover me while driving for Uber or Lyft?
Typically personal auto policies aren’t designated for people who use their car to transport others for hire. The coverage is limited and you can face problems when filing a claim. Make sure you’re covered and ask your agent specifically for a rideshare endorsement.
Is auto insurance mandatory?
Nearly every state requires a minimum amount of auto liability coverage. These coverage requirements vary from state to state.
Know your Auto Insurance Policy
Exclusions to Review*
- Ridesharing (Uber, Lyft, etc.)
- Damage resulting from wear and tear
- Insurer intentionally causing injury or damage
- Vehicles being used for racing purposes
*Not applicable to all insurers and policies. The matrices of local, state, and federal laws that govern auto insurance and the variation between policy types and insurance carriers are far too complex to list every situational exclusion that is applicable for all. Below are some common examples of coverage points/clauses that may detail these exclusions in the policy and should be carefully noted when purchasing coverage. We strongly advise consulting with a licensed insurance agent to review your policy and discuss any situation where your claim may fall into exclusion and be denied.
Related Auto Insurance Resources & Insights
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Find out how you can benefit from Haylor’s wide range of insurance products and risk management solutions today! Call or contact us to schedule a complimentary review of your current insurance portfolio!
Important Note: Everything listed on this page is meant as general information and the generalized policy descriptions are designed to help you understand the different coverage types. These guidelines and descriptions do not refer to any specific contract of insurance, carrier, or terms of service. They do not modify any definitions, exclusions, or any other provisions that are directly stated in any contract of insurance. We highly recommend that you speak with your insurance advisor and review your policy fully to understand your coverage.