Auto Insurance

Serving Ashland, Medford, and Jackson County

Auto Insurance | Ashland & Medford Oregon | The Ashland Insurance Difference

Auto insurance protects you from liability to others and may cover damage or replacement of your vehicle if you have an accident.  Motor vehicle accidents lead to more personal injury lawsuits than any other cause. Even if you don’t care if your car gets damaged or stolen, you need auto liability coverage to pay for any injury or property damage you might cause to others in an accident. Auto insurance provides two main types of coverage:  liability, and collision and comprehensive damage. Part A , the liability portion of the policy, pays for an insured driver’s liability for bodily injury or property damage they cause to another person while operating a covered vehicle. Every state requires auto owners to carry liability insurance.

Part D of your auto insurance policy, collision and comprehensive damage, pays for damage to your covered vehicle(s). Collision refers specifically to situations where your vehicle is damaged by another vehicle or object. Comprehensive is coverage for other kinds of damage to your car other than a collision, such as from theft, fire, flood and so on. Often the two perils will have different deductibles.  Some owners don’t buy Part D, while others want collision coverage only.

The “comprehensive” coverage portion of the auto insurance policy protects your car from damage or loss due to reasons other than collision, such as theft, fire, flood, earthquake, windstorm, falling objects, explosion, vandalism and more.

Auto insurance policies also provide other important coverages.  Part B, medical payments coverage, is optional in most states. It supplements your family’s medical insurance by paying medical expenses, usually up to $5,000 or $10,000, if a covered driver or your passenger is accidentally injured in a car or light truck or as a pedestrian. Part C, uninsured motorists coverage, covers you if you are involved in an accident with an uninsured driver. Some policies also provide additional coverages that help you after an accident, such as towing and replacement rental car coverage.

You may also wish to purchase underinsurance coverage. This is valuable coverage when you are involved in an accident where the other driver is at fault but either carriers no insurance or has inadequate limits. Underinsurance can  step in in these situations and pay for medical expenses, pain and suffering, and lost wages.

Your auto insurance premiums will depend on your vehicle’s type and cost and garaged location, along with your driving record and miles driven and the limits you choose. We can help you determine the right balance of protection and premium for your family.

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