Auto

Auto insurance is required by law in nearly every state.
By comparing rates across multiple companies within our agency we are able to provide you with the protection that best fits your family’s needs at the best value.

An auto insurance policy is comprised of the following components:

  • Liability Coverage
    • Required in most states, it is the foundation of any auto policy.
    • Pays for bodily injury and property damage expenses when an accident is caused by you.
    • Liability coverage will also cover legal fees if you are involved in litigation as a result of your accident.
  • Collision Coverage
    • Pays to repair damage to YOUR vehicle when you are found at fault in an accident.
    • Collision coverage is often the most expensive coverage on your auto policy. However, there are ways to reduce the cost of your premium, such as choosing a higher deductible, or waiving the coverage.
  • Comprehensive Coverage
    • Pays for damages NOT caused by a collision.
    • Damages from theft, fire, vandalism, natural disasters, or hitting an animal while driving are all instances when comprehensive coverage would be utilized.
    • Carries a separate deductible from collision coverage.
  • Medical Coverage
    • Pays for medical expenses incurred as a result of an accident.
    • This coverage is for you and the passengers of your vehicle.
  • Uninsured Motorist Coverage
    • Pays for injuries and damages to you and your vehicle caused by someone without auto insurance.
  • Underinsured Motorist Coverage
    • Pays for injuries and damages to you and your vehicle if the driver who hit you causes more damages than his auto insurance covers.
  • Additional Coverages
    • Many insurance companies write supplemental auto policy coverages.
    • Common additional coverages include but are not limited to rental reimbursement, coverage for towing and labor, replacement cost, and a deductible waiver for glass claims.

      *Please ask your agent if you qualify for these optional coverages.

Terminology Note:
Individuals in the insurance industry refer to liability coverage limits as three sets of numbers. For example, your agent might say that your policy carries limits of 100/300/100.

This would mean your auto policy covers up to $100,000 in bodily injury coverage per person, $300,000 in bodily injury per accident, and $100,000 in property damage per accident.



The insurance professionals at Burkhart Insurance Agency, Inc. will gladly answer all of your insurance questions and work with you to develop a solution for insurance coverage to meet your needs.
Contact us by phone at (800) 737-3600, use our Contact Form, or Click Here to E-mail us.