Automobile Insurance

Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.

An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements. Most auto policies are for six months to a year. Your insurance company should notify you by mail when it’s time to renew the policy and to pay your premium.

An auto insurance typically contains six separate and distinct parts:

Bodily Injury Liability - for injuries the policyholder causes to someone else.
Property Damage Liability - for damage the policyholder caused to someone else's property.
Medical Payments or Personal Injury Protection (PIP) - for treatment of injuries to the driver and passengers of the policyholder's car. At its broadest, PIP can cover medical payments, lost wages and the cost of replacing services normally performed by someone injured in an auto accident.
Collision - for damage to the policyholder's car from a collision. The collision could be with another car, a light post, fire hydrant, etc...
Comprehensive - for damage to the policyholder's car that doesn't involve a collision with another car. Covered risks typically include fire, theft, falling objects, missiles, explosion, earthquake, flood, riot and civil commotion.
Uninsured Motorist - for treatment of policyholder's injuries as a result of a collision with an uninsured driver. Underinsured motorist coverage can also be included in an auto policy. Underinsured motorist coverage comes into play when an at-fault driver has auto liability insurance, but the limit of insurance is inadequate to pay for your damages.

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What Our Customers Are Saying...

Pennie Hunt
Speaker, Author -- Communicator of Life Lessons www.PennieHunt.com
John worked with me to secure an insurance policy. He kept me informed every step of the way from the application process to having the policy in hand. He is professional, detailed and thoughtful in his work. I would recommend his services in the highest way.

Harris Cohen
chiropractor and author at Dr. Harris R, Cohen
John is an expert in his field. He is very intelligent and has great insight.
I highly recommend John for all your insurance and retirement needs.

Jim Naples
owner EASTBAY BUILDERS INC.
John is a person who brings his knowledge and integrity of his business to any company or individual he works with. We have used John to implement insurance options in several of our businesses and were impressed with the service and creative options he brought to the table in ways to diversify and save money. I would recommend him for all financial and annuity plans especially in this economy.

Glen CarusoClick
Entrepreneur | Premier Digital Marketing Strategist | SaaS Enterprise Executive | Educator
I don't write many recommendations for business associates on LinkedIn, yet I feel compelled to do so for John Johnson.

I've known and worked with John for more than 20 years. Most importantly, I believe he's one of the most ethical and focused businessmen I know.

John's approach to business is not typical. He's the type of person who seems to have an intuitive sense for not only where markets are moving, but the way it will affect people. He then applies that to how it can benefit his current and potential customers. I think that John excels because he cares about those he does business with and genuinely wants to help. He's consultative, but never preachy. He'll do what's right for his clientele -- whether it means he'll get the business or not. Simply, he cares. Most importantly, John's a decent man who's also a lot of fun to be around. He's always got a funny story and leaves you with a sense that you're in good, capable hands.

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