An auto insurance policy is required to operate a motor vehicle throughout the United States. A comprehensive auto insurance plan can protect you by assessing your liability in an accident and fending off illegitimate claims.
Two types of auto insurance are mandated in the US: The no-fault system and the tort system. Used by most states, the no-fault system stipulates that your insurance company will pay your injury claims in the event of an accident (up to a predetermined limit), no matter who caused it.
The tort system, by contrast, stipulates that those who are injured in auto accidents must seek out-of-pocket medical care, and then hold the insurance company of the driver responsible for reimbursement. Such individuals must be able to prove that the medical care was reasonable and necessary. Under this law, the party at fault cannot sue for reimbursement of medical expenses.
We also consult on the following auto insurance policies:
- Motorcycles, RVs, trailers, etc.
- Vehicle theft
- Collision insurance coverage
- Towing and repairs
An accident takes place nearly every second in the United States. These accidents often happen in the course of recreational activities, and it's not unusual for children to be involved. Furthermore, even though you may be perfectly healthy at the moment, you never know when you might fall ill. Finding a policy after the fact invariably becomes a costly proposition.
A comprehensive health insurance policy provides you with financial protection from the unfortunate consequences of an accident or illness. There are many things to consider in choosing the right policy for you — speak to our experts about the details.
In addition to regular health insurance, casualty insurance policies may offer additional protection from occupational or recreational hazards and other accidents.
We also consult on the following casualty insurance policies:
- Accidental death and dismemberment insurance
- Occupational accident insurance
- Sports and recreational insurance
- Flight insurance
Personal Liability Insurance
Whether you're hosting a private party or are on your way to the supermarket, accidents can always happen and you could be held responsible. Liability insurance protects you from the claims of third parties.
Personal liability insurance can protect you from serious financial trouble. It provides protection against unintentional harm to others and the resulting damage claims.
Some policies may also extend coverage to your household pets. We'll help you determine which policy is right for you.
We also consult on the following types of liability insurance:
- Animal liability insurance
- Environmental liability insurance
- Legal liability insurance
To plan for the future means to make certain commitments today. Life insurance is a crucial element of family planning because it ensures the financial security of the beneficiaries after the policyholder's death.
A life insurance policy provides you and your family with peace of mind. After all, it's nice to know that your loved ones are protected and can benefit from the fruits of your labor so they can invest in their own future.
We also consult on the following life insurance policies:
- Permanent life insurance, including:
- Whole life, universal life, limited pay, and endowment
- Temporary life insurance
- Variable life insurance