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Established in 1974, sole proprietor William L. Butler began serving Buxton and surrounding areas all the way up to Augusta. 35 years later, we are still going strong; going above and beyond all expectations to find our valued customers the lowest possible insurance. Please call our office and speak with Donna Butler Shepard for your free multiple insurance quotes today.
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.
What is covered by a basic auto policy?
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Your auto policy may include six coverages. Each coverage is priced separately.
1. Bodily Injury Liability
This coverage applies to injuries that you, the designated driver or policyholder, cause to someone else. You and family members listed on the policy are also covered when driving someone else’s car with their permission.
It’s very important to have enough liability insurance, because if you are involved in a serious accident, you may be sued for a large sum of money. Definitely consider buying more than the state-required minimum to protect assets such as your home and savings.
2. Medical Payments or Personal Injury Protection (PIP)
This coverage pays for the treatment of injuries to the driver and passengers of the policyholder's car. At its broadest, PIP can cover medical payments, lost wages and the cost of replacing services normally performed by someone injured in an auto accident. It may also cover funeral costs.
3. Property Damage Liability
This coverage pays for damage you (or someone driving the car with your permission) may cause to someone else's property. Usually, this means damage to someone else’s car, but it also includes damage to lamp posts, telephone poles, fences, buildings or other structures your car hit.
4. Collision
This coverage pays for damage to your car resulting from a collision with another car, object or as a result of flipping over. It also covers damage caused by potholes. Collision coverage is generally sold with a deductible of $250 to $1,000—the higher your deductible, the lower your premium. Even if you are at fault for the accident, your collision coverage will reimburse you for the costs of repairing your car, minus the deductible. If you're not at fault, your insurance company may try to recover the amount they paid you from the other driver’s insurance company. If they are successful, you'll also be reimbursed for the deductible.
5. Comprehensive
This coverage reimburses you for loss due to theft or damage caused by something other than a collision with another car or object, such as fire, falling objects, missiles, explosion, earthquake, windstorm, hail, flood, vandalism, riot, or contact with animals such as birds or deer.
Comprehensive insurance is usually sold with a $100 to $300 deductible, though you may want to opt for a higher deductible as a way of lowering your premium.
Comprehensive insurance will also reimburse you if your windshield is cracked or shattered. Some companies offer glass coverage with or without a deductible.
6. Uninsured and Underinsured Motorist Coverage
This coverage will reimburse you, a member of your family, or a designated driver if one of you is hit by an uninsured or hit-and-run driver.
Underinsured motorist coverage comes into play when an at-fault driver has insufficient insurance to pay for your total loss. This coverage will also protect you if you are hit as a pedestrian.
Protect your home from damage and theft
- Fire and lightning
- Windstorm and hail
- Weight of ice or snow
- Smoke damage
- Falling objects
- Freezing damage
- Theft
- Vandalism
- Accidental overflow from plumbing
- Accidental electrical damage to appliances
- Damage by vehicles
Here are 10 Rules to Remember When Buying life insurance.
- Understand and know what your life insurance needs are before any purchase, and make sure that the company you choose can meet those needs.
- Buy your life insurance from a company that is licensed in your state.
- Select a life insurance producer who is competent, knowledgeable and trustworthy.
- Shop around and compare life insurance policy costs.
- Buy only the amount of life insurance you need and can afford.
- Ask your life insurance agent about lower premium rates for non-smokers.
- Read your life insurance policy and make sure you understand it.
- Inform your beneficiaries about the kinds and amount of life insurance you own.
- Keep your life insurance policy in a safe place at home and, in addition, keep your life insurance company's name and your policy number in a safe deposit box.
- Check your life insurance coverage periodically or when ever your situation changes, to be sure it meets your current needs.
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LIFE INSURANCE
What Type of Insurance is Best for You? The choices in life insurance policies are bewildering.
Life insurance needs vary depending on your personal situation. If you have no dependents, you probably don't need life insurance. If you don't generate a significant percentage of your family's income, you may not need life insurance. If your salary is important to supporting your family, paying the mortgage or other recurring bills, or sending your kids to college, life insurance is important to ensure that these financial obligations are covered in the event of your death.
How Much Life Insurance Do I Need?
It's difficult to apply a rule-of-thumb because the amount of life insurance you need depends on factors such as your other sources of income, how many dependents you have, your debts, and your lifestyle.
BUSINESS INSURANCE
Property insurance protects the assets your business owns, including the building and equipment, from destruction or damage.
Contents insurance protects your business equipment from perils such as fire, flood, or theft. To determine how much property or contents insurance you'll need, create an itemized list of your business' assets and their individual dollar values. Then decide which assets you actually want to insure and for what value, which will determine the insurance premium.
HEALTH INSURANCE
Individual and Family health insurance plans provide long-term protection and comprehensive medical coverage for you and your family. A large selection of health insurance plans. Compare plans and benefits to find the best match for you!
AUTO INSURANCE
Low rates, great service, and exceptional financial strength! Multi-car discounts, and discount for cars with air bags and other safety features
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