Driving

Personal Autos, Vans, Trucks, Collector Autos & Motorcycles

 

ATVs, Golf Carts, Motor Homes, Snowmobiles & Recreational Vehicles

The roads are busy these days with new cars, old cars, full size vans, little 2 person cars, motorcycles, trucks and more. Add the element of human drivers and sometimes you wonder how someone got their license, don’t you? When you’re on the road you do NOT want to have an accident. But if you have an accident, you DO want to know that you have enough insurance to protect you. That’s when you ask us! We’ll help you evaluate what is the right kind and right level of coverage.

Definitions of coverage

  • Bodily injury liability: Coverage for your legal fees, court costs and compensation due to bodily injury claims brought against you.
  • Medical payments: Coverage for medical expenses for injuries sustained by you, resident relatives and other people in your auto as the result of an accident. (Auto insurance coverage varies by state.)
  • Property damage liability: Coverage for your legal liability for property damage claims brought against you.
  • Collision: Coverage for damage to your auto and its equipment caused by collision or upset.
  • Comprehensive: Coverage for damage to your car and its equipment not caused by collision or upset. This includes, damage from fire, theft, glass breakage, vandalism and damage that results from contact with persons, animals, birds or falling objects.
  • Uninsured and underinsured motorist coverage: Provides coverage when you are injured in an accident caused by another person who either has no auto insurance or who has limits which are insufficient to cover your damages.

Endorsements/Extras (may vary by insurance company)

  • Road service                                                                             Death and Disability Benefits
  • Transportation Expenses (Comprehensive)                              Transportation Expenses (Collision)
  • Enhancement Endorsement                                                      Diminishing deductible
  • Auto Security Endorsement (Lease gap)                                    Pet coverage

 

 

Discounts (may vary by insurance company)

  • Safe Driver                                Multi-Car                               Age 55 or Over
  • Passive Restraints                    Anti-Theft Devices                 Anti-Lock Brakes
  • Multi-Policy                               Longevity                               Payment Plan
  • Life Multi-Policy                        Youthful Driver                      Auto Accident Prevention Course
  • College Student                         Driver Training                      Reduced Usage

 

“My family utilizes Wilson Insurance Management almost exclusively. We found the agency’s service to be superb and staff very friendly and professional! In addition, we appreciate the quality of the insurance companies represented by Wilson Insurance Management” ~ Chuck (customer for 14 yrs)

 

Did You Know?

Every 18 seconds someone is involved in an auto accident; every 11 minutes someone dies. Here are some street-smart strategies every driver should practice:

  • Be cautions at intersections, a danger zone. Intersections can be risky because there are a lot of distractions: turning cars, pedestrians and red-light runners.
  • Steer clear of erratic drivers. Let a tailgater pass you.
  • Keep your eyes on the road. Talking on a cell phone or reading a map can distract you and lead to an accident. Keep in mind that a distracted driver might also be near you. Drive cautiously.
  • Be alert near parked cars. Someone could open a car door or pull out in front of you.
  • Don’t drive sleep-deprived. Sleep is not a matter of willpower, but a biological need. If you become drowsy, pull off the road and get some rest.
  • When passing another car, get past the driver’s blind spot as quickly and safely as possible.
  • Know your brakes. Most cars have antilock brakes, which require a driver to apply a firm and continuous pressure on the pedal.
  • In stormy weather, leave extra space between you and the car ahead.
  • Don’t drive through water. A small amount of water can disable a vehicle in seconds.
  • Don’t forget the basics: Buckle your seatbelt, limit loose objects in your car and lock your