PERSONAL INSURANCE    Homeowners Insurance | Vehicle Insurance | Umbrella Insurance
Vehicle Insurance
 
Click here for an Auto Insurance Quote
Click here for the lowest auto quote Personal Auto Insurance

Automobile Insurance is designed to offer protection from the liability of losses or injury, as well as property damage. Your car can be protected from losses incurred from an accident (collision), or certain various types of damage (comprehensive).

Liability Coverage
Guidelines for Auto Insurance vary from state to state where they determine if coverage is mandatory and what minimum coverage is required. The liability sector of the policy provides coverage to protect the insured against a claim or lawsuit for Bodily Injury (BI) or Property Damage (PD) that may occur as a result of negligence while driving an automobile. Depending on the state of residency and company chosen, coverage is written as follows:
  • Single limit of liability that is the maximum amount paid for both BI and PD combined as a result of a single occurrence, or

  • Spit limit of liability that specifies the maximum payment for BI per person, BI per accident, and PD per accident.

Medical Payments
This portion of the policy provides coverage up to the specified limit for reasonable and necessary medical expenses to individuals occupying the insured vehicle.

Uninsured Motorist (UM) & Underinsured Motorist (UIM)
Coverage provides protection to the insured when bodily injury is caused by another driver who is not covered by Liability Insurance. Underinsured Motorist coverage provides protection when bodily injury is caused by a person who carries liability coverage but whose policy limits do not cover the full amount of the loss.

Physical Damage Coverage
This portion of the policy protects the insured vehicle from loss due to damage or theft and it extends to temporary substitute vehicles. Collision and Comprehensive losses are covered, as well as losses including fire, theft, weather, etc. Policies include a deductible which represents the amount of loss needed to be paid before insurance payments commence.


Watercraft Insurance

We provide coverage for various inland marine exposures. MANN INSURANCE will help select the policy that best fits needs and coverage may include tools and test equipment, mobile units, transportation, installation, etc.