Request an Auto Insurance
Quote.Request a
Change on your Auto
Insurance.
Find a CARCO Inspection site near you!
Genesee Community College at Lima is offering Driver
Training and Defensive Driver Courses!
Check our Community page for more
info.
6 Hour Defensive Driver Courses offered by LWArc:
Courses are offered at Hampton Corners, 4389 Gypsy Lane in
Mount Morris. 2010 Class dates are: January 30th, February
24th, March 20th, April 7th, May 18th, June 26th, September
18th, October 8t, November 13th, and December 17th. All classes are
from 8:30am to 3pm. Cost is $35. For more information,
or to reserve a spot, call (585)658-3311 ext.130 or email
cstreber@lwarc.org.
Go to DMV's site to find a defensive driver course
near you!
http://www.nydmv.state.ny.us/pirp.htm This site
has been updated to include the newly approved online course
providers.
If you are going to Canada, you need Canadian
Insurance Cards!
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Request Them! |
Our agency offers dependable and affordable automobile insurance
protection from a number of independent agent companies.
We strive to place your coverage with the company that fits your needs
best.
The more you understand about your auto insurance policy, the better we
can work together to protect you. The following are some of the
most commonly used terms. For a complete explanation of these and
other insurance terms and coverages, call us at (585) 582-1660.
Bodily Injury Liability Coverage--Pays claims against you,
including the cost of your legal defense, resulting
from injuries to other persons in an automobile accident for which you
are legally liable.
Property Damage--Pays for claims for your financial loss if you
are found liable for physical damages to tangible property belonging to
a third party.
No-Fault Auto Insurance/Personal Injury Protection--Coverage
through which the financial losses you, your passengers or a pedestrian
sustain from an auto accident--such as medical and hospital costs and
lost income--are paid by your insurance company regardless of who is at
fault. This is a mandatory coverage in New York State.
Supplementary Uninsured/ Underinsured Motorist Coverage--Uninsured
motorist coverage pays for injuries sustained by you and your passengers
caused by an uninsured motorist or a hit-and-run driver.
Underinsured motorist coverage pays when you or your passengers are
injured as a result of negligence by someone with insufficient liability
insurance to cover your losses.
Comprehensive Insurance--Reimburses you for damage to your
vehicle from causes other than a collision or overturning. This includes
hail, flood, theft, fire, glass breakage, falling objects, explosions,
earthquakes, windstorms, vandalism or malicious mischief, riot or civil
commotion and collision with a bird or an animal.
Collision Insurance--Optional coverage that reimburses you for
damage to your vehicle resulting from overturning or from colliding with
another object, including another vehicle, regardless of whose fault it
is.
Deductible--The portion of an insured loss you pay before the
insurance company starts picking up the bill.
Premium--The amount you pay for insurance for a specific period
of time. This could be a year for an annual policy, or six months for a
semi-annual policy.
