Auto insurance covers three key things: property, liability and medical expenses. It insures damage or theft to your vehicle. It covers your liability or responsibility for bodily injury or damage to property while driving a car. Auto insurance also covers the cost of treating or rehabilitating injuries caused by an auto accident. There is also typically coverage for accidents or damage caused by uninsured or underinsured drivers.

All too often people assume all automobile insurance policies provide the same levels of coverages.  However, that is not the case.  Unfortunately, it is only after an accident that people realize that not all coverages are equal.  At Community Partners, we pride ourselves on taking customers through their policies to ensure they have the desired coverage.  If there are needs beyond the standard provisions, we can provide and do so at a competitive price.

Typically, most standard policies do not include:

  • No depreciation provision. This protects you from out-of-pocket expenses related to leases, loans, or loss of value.
  • Original Manufacturer Parts – allows you to repair your vehicle with parts made by the original equipment manufacturer (OEM) rather than secondary or after-market manufacturer.
  • No deductible for breakage or repair of glass.
  • Towing & Rental car coverage – allowing you to drive a comparable vehicle if your car is damaged due to a covered loss.