Business Partners

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AUTO INSURANCE

The insurance protection you need when you’re on the move and we make sure that you have the right insurance coverage for your vehicles:

TYPES OF COVERAGE

 

 

 

 

 

 

 

 

 

MOTORCYCLE

 

 

 

BOAT

Collision coverage

Covers expenses related to the damage or destruction of your vehicle

from an accident or other collision

Comprehensive coverage

Covers expenses related to the damage to your vehicle caused

by vandalism, theft, hail, fallen trees and more

Liability coverage

Covers expenses related to injury, death or property damage

of others when you're at fault

Medical payments coverage

Covers medical expenses if you or your passengers are hurt

Uninsured & underinsured motorist coverage

Covers your expenses if the other driver is at fault and doesn't have insurance

Roadside coverage

Covers the cost of common roadside services like tire changes and jump-starts

Personal injury protection

Covers expenses related to injuries you sustained in a covered accident

Rental reimbursement coverage

Covers the cost of renting a car or other transportation expenses while your vehicle's in the shop

Sound system insurance

Covers the cost of replacing stolen or damaged audio and/or video equipment

Personal umbrella policy

Covers liability above and beyond your auto policy's other liability underlying limits

 

Motorcycle insurance coverage benefits you, your bike, and others on the road. The 6 main coverage that make up a Motorcycle Insurance policy include:

  • Bodily injury liability coverage

  • Collision coverage

  • Comprehensive coverage

  • Property damage coverage

  • Uninsured/underinsured motorist coverage

 

Here's a look at the types of coverage often included in a typical boat insurance policy:

Liability coverage:
If you cause an accident that damages another person's property, liability coverage may help pay for expenses you incur as a result.

Medical payments coverage:
Suppose you or your passengers are injured after an accident on your boat. Medical payments coverage may help pay for resulting expenses such as hospital bills, medications or X-rays.

Uninsured watercraft coverage:
What would happen if an uninsured boater collides with your watercraft and you or one of your passengers are injured? The uninsured watercraft coverage on your boat insurance policy may help pay for the resulting expenses.

OTHER TYPES OF PROTECTION

The coverage needs of boat owners will vary from person to person. It's a good idea to talk with an insurance agent about coverage for the following components:

  • Boat trailers

  • Boat accessories (for example, radar or geo-location instruments)

  • Special equipment (fishing gear, for instance)

  • Towing coverage

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Richard Auto Insurance Agency can run

a multiple comparison quote from many insurance companies for free of charge and present with the best value and lowest price for you!!!

 

Office Location:

Metro 94 Business Center; 475 N. Etna Street, Suite 22

Saint Paul, MN 55106

Office: 651-756-7391

Direct: 651-354-3863

Fax: 651-756-7378

E-Mail: richard.lor2010@gmail.com