What a lot of people don’t realize is, having great coverage doesn’t necessarily mean having higher insurance premiums.
Because Sentinel Assurance Group is 100% independent, we can take your current coverages and compare them with a wide range of insurance providers to see who offers you the best deal possible.
No two insurance contracts are the same, and while two policies side-by-side might look the same, the fine print behind the cover page can vary from company to company.
Important Auto Insurance Coverages
When you browse through your policy, you may see certain coverages and wonder exactly what they are, and why they’re on your policy. Let us clarify a few of the more important ones for you.
Collision Coverage — coverage for your car in the event you damage the car, as a result of an accident with a fixed or moving object like another car, a curb, a house, a guard rail, etc..
Comprehensive Coverage — this coverage also protects your car, but in the event that something else damages your car, that is not a fixed, or moving object. For example, theft, or an animal you might hit, and so on.
Property Damage — suppose you damage someones car in an accident, or a guard rail, house, or property that belongs to someone else. This is the part of your policy that compensates the other person for that damage
Personal Injury Protection (PIP) — coverage for medical bills and, in some states, other living expenses while you heal if you’re unable to work as a result of an accident, no matter who’s at fault.
Bodily Injury Liability — this coverage protects your financial interest in the event you injure another party in an accident. This is the part of your policy that pays that other party for their medical bills and related expenses.
Un-insured & Under-insured Liability — this coverage pays you, in the event that you are injured by another party, and that other party was either unidentified, or they weren’t carrying a high enough limit of Bodily Injury Liability to cover your expenses. This is also a very important part of your auto policy because you have zero control over how much insurance other people are driving around with.
Click here for the list of insurance carriers we work with.