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Fill out an online auto quote request Personal Auto Policies generally provide the following basic coverages: Bodily Injury Liability - Covers accidental injury or death of another person if caused by you in an automobile related accident. Property Damage Liability - Covers accidental damage to other people's property if caused by you in an automobile related accident. Defense Costs - Covers court costs, legal expenses and attorneys fees. Collision - Covers you for damage to your car in an accident, regardless of who was at fault. Other Than Collision - Covers your car against damage from fire, lightning, flood, theft, glass breakage, falling objects, and other specified perils. Medical Payments - Covers you and your family in any car and anyone riding in your car for medical expenses resulting from an accident. Uninsured/Underinsured Motorist - Covers injury suffered by you, your family and anyone riding in your car against the uninsured/underinsured or hit-and-run driver
Fill out an online home quote request At Andres O'Neil & Lowe, we strive to provide our policy-holders the best service and protection possible at a reasonable cost. Policies Protect - Your home - Your personal possessions - Structures other than your home - You, for personal liability - You, for medical expenses of other which result from injury on your premises - You, for physical damage to the property of others while on your premises Against These Perils - Windstorm and hail - Vandalism - Fire and lightning - Damage by vehicle / aircraft - Bursting of plumbing systems - Damage from falling objects - Theft - Damage caused be weight of ice - Smoke
Whether you own a small farm with five acres or
a large family corporation with thousands of
acres, we can provide the broadest coverage
possible!
We Can Provide a Comprehensive Farm owners
Package
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- Residence
Personal Umbrellas or Personal Protectors are types of coverage that increase liability coverage on existing policies. Homeowner's, auto, boat and any other policies that you may have which include a liability limit can go under an umbrella. Simply stated, Umbrellas increase your liability coverage where your existing policies stop. For example, say you carry $500,000 liability coverage on your homeowner's policy and $250,000/$500,000 split limits of bodily injury on your auto policy. If you cause injury to someone with your car, for example, and they successfully sue you for $800,000, the umbrella will kick in to pay the extra $300,000 that exceeded your auto coverage of $500,000.
The policy coverage
described above are in the most general terms and
are subject to the actual policy exclusions and
conditions. For specific coverage details and policy
exclusions, refer to the policy itself or contact an
Andres O'Neil & Lowe agent.
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