Norman Insurance offers knowledge to customers, ensuring they know all options so they can choose the car insurance that is right for their needs. Whether you need to simply meet state law requirements, or coverages to protect you in a greater capacity, the Normans will provide customers a complete understanding of what car insurance they need to be protected to prevent a loss. Customers can choose from the selection of coverage options offered. Whether it is a full coverage auto policy, including comprehensive and collision, or a liability only policy, Norman Insurance Agency can help you decide what is best for your needs. Here is a brief summary of the most common coverages available on auto policies.

Bodily Injury Liability and Property Damage Liability
Bodily injury and property damage liability will pay up to the policy limits for injuries, or property damage, caused by the driver of your vehicle to another person. If you have a standard 15/30/10 policy, this would pay up to 15,000 if you injured one person, 30,000 if you injured more than one person, and up to 10,000 to pay for any property damage. Property damage liability is usually the other person’s vehicle in an accident, but would also include any property damaged in an accident, other than the insured vehicle.

Comprehensive Coverage
Comprehensive Auto Insurance Coverage is best described as other than collision. This would include vandalism, theft, glass damage, etc. The insurance company would reimburse you for damage, minus your deductible.

Collision Coverage
Collision coverage would pay for damage to your vehicle in an at fault accident, or if the vehicle is hit and run, minus your deductible.

Medical Payments
Medical payments would pay you up to the policy limits for persons injured in your vehicle, when you are at fault. This would include the named insured. If you carry 5,000 medical, your policy would pay up to 5,000 per person.

Uninsured Motorist Coverage
Uninsured motorist bodily injury liability would pay for your injuries in the event that you are hit by a person who is not insured. On a 15/30 limit policy, they would pay your medical bills up to 15,000 per person, or 30,000 if more than one person is injured in your vehicle.

Optional Coverages
There are several other coverages that are part of the standard auto policy, whether you have full coverage (including comprehensive and collision), or just liability only. These include uninsured motorist property damage, and/or collision deductible waivers, rental car, towing, etc. It is our standard practice to advise you of your particular needs, and make sure you are covered properly.

Norman Insurance Agency specializes in homeowners insurance policies. Offering expertise, knowledge, and established relationships with providers, customers have options whether they are seeking coverage for their home, mobile home, or renting. The cost and coverage need to match what the customer needs to feel protected, and the Normans understand that each situation is unique. Customers will have an opportunity to compare coverage and cost details to determine what is best for their specific needs.

Homeowners Insurance
Commonly a packaged policy, homeowners are provided protection in the case of damage to their home as well as covering injuries that occur on the property. Disaster coverage is part of a standard homeowner’s policy with the exception of earthquake and flood. Additional coverage can be provided to customers by purchasing these policies separately to cover these two areas.
A standard policy would provide coverage for the dwelling, personal property, as well as liability protection, and additional living expenses. These coverages would be in force if the home was exposed to a covered loss.

Mobile Home Insurance
Similar to homeowner’s policies, mobile home insurance is customized to provide appropriate coverage for mobile home owners. This insurance provides protection for both physical damage and personal liability. The physical damage portion of the policy will cover costs for damage to your mobile home in most situations as a result of a disaster covered by the policy, theft or vandalism. The personal liability coverage in mobile home policies applies when someone is injured, or damage caused to property due to the owner’s actions.

Renters Insurance
The coverage offered through a renter’s insurance policy provides customers protection and relief financially when personal possessions are lost or destroyed when renting. A renter’s insurance policy would cover losses due to a theft, fire, or similar disaster, that would otherwise not be covered by the landlord, or property owner’s policy.