Auto Insurance
What is auto insurance?
Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy. Auto insurance provides property, liability and medical coverage:
- Property coverage pays for damage to or theft of your car.
- Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
- Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you’re financing a car, your lender may also have requirements. Most auto policies are for six months to a year. Your insurance company should notify you by mail when it’s time to renew the policy and to pay your premium. Source: iii.org
In the state of Minnesota, you’re required to carry car insurance with auto liability, uninsured/underinsured, and personal injury protection in order to drive on public roads. There are additional coverage options available that should be considered and discussed.
Auto Insurance Coverage
- Liability Coverage
- Comprehensive Coverage
- Collision Coverage
- Underinsured Motorist Coverage
- Uninsured Motorist Coverage
- Personal Injury Protection (PIP)
- Roadside Assistance Coverage
- Diminishing Deductible
- Accident Forgiveness
- Minor Violation Forgiveness
- Rental Reimbursement
- And More
Why Hall Insurance Group?
The differentiating value at Hall Insurance Group is to align you with an insurance company that mirrors who you are. Taking the time to protect what is important to you is important to us. That is the foundation to our long lasting family relationships over the past 50 years. We aim to evolve with your needs as your life changes from year to year.
What is an independent agency?
Being an independent agency means we aren’t tied to any single insurance company. We have more options and more flexibility, allowing us to help you build a customized protection plan.
