Automobile and Motorcycle Insurance

Get Your Automobile Insured Today

Whether you own, lease or finance your car, you are required to insure your motor vehicle. Annually, drivers are involved in over 30 million accidents causing bodily injuries, death and property damage. It is very important to understand and maintain adequate coverage. Call Clifford M Golub Associates Inc today.

Liability Insurance

Liability insurance is one of the most important components of your auto insurance. A judgment for injuries and / or damages can run into hundreds of thousands of dollars, or more. Add to that the legal costs and you risk losing all of your assets if you are found legally responsible for the accident. The amount of your liability insurance should be enough to cover these costs, as well as bail bonds, interest on judgments and loss of earnings to attend court proceedings. Is your coverage adequate? If not, you can supplement your coverage with excess liability.

You can up your auto and homeowners coverage to a certain extent ($500k for homeowners, <or $250K per person> and $500k for auto) with excess liability (Umbrella Insurance). The more income and assets you have, the more you stand to lose. If you were smart enough, or lucky enough, to earn a high income and accumulate assets that exceed homeowners or auto coverage, protect them with excess liability.

Personal Injury Protection (PIP) - No Fault

No fault insurance laws vary from state to state. Personal injury protection is the name given to benefits in states that have no fault laws. Most states include medical, disability, accidental death and funeral expenses, and expenses to hire somebody to perform services you can no longer perform due to the accident. Since the laws, benefits and exclusions vary so much, Clifford M Golub Associates Inc carefully consults with your states specific coverage requirements before writing any policy.

Medical Payments

A two-hour visit to an ER for simple stitches or X-rays can cost hundreds of dollars. Should your family members be injured in an auto accident, the medical bills can quickly add up to a staggering amount. This portion of your coverage provides you with the peace of mind that you can obtain the necessary medical attention.

Uninsured / Underinsured Motorists

These laws also vary from state to state, but basically this coverage pays for expenses if you are involved in an accident with an uninsured driver, or a driver who has less insurance that the law requires.

Collision - Impact