Auto Insurance

Let our insurance professionals find the right coverage for your specific needs.

As a fully independent agency the Roberts Insurance Group, LLC does not hold allegiance to any one company. We can shop and compare auto insurance coverage for you. We can find a name you trust with coverages personalized to suit your particular needs. Why risk going online and attempting to purchase auto insurance by yourself. Ask, "do I truly understand what each coverage is and why I do or do not need it". Chances are if you are like most drivers the answer is no. Our highly trained agents can guide you through the maze so you are not paying for unnecessary coverage and more importantly, not putting yourself at risk by elimin-ating coverage you truly need. Let us be your experts and give you peace of mind.

Auto Companies We Represent

* Allied P&C / Nationwide Insurance Company
* Encompass Insurance
* Foremost Insurance
* GMAC Insurance
* The Hartford
* Infinity Property & Casualty Corp.
* Mercury Insurance Group
* Metlife Auto
* Progressive Insurance
* Safeco Insurance
* Titan Insurance Company
* Travelers Insurance Company

How does auto insurance protect you?

Auto insurance protects you against financial loss if you have an accident by providing property, liability and medical coverage. 

  * Property coverage pays for damage to or theft of your auto.
  * Liability coverage pays for your legal responsibility to others for bodily injury or
  property damage.
  * Medical coverage pays for the cost of treating injuries, rehabilitation and
  sometimes lost wages and funeral expenses.

An auto policy may have many optional coverages, but the typical policy usually consists of six basic coverages only some of which are required by the state and some of which may be required by a lender if financed.

1. Bodily Injury Liability

This coverage applies to injuries you, the policyholder or designated driver cause to someone else. You or other listed family members on the policy are also covered when legally driving someone else's auto.

2. Personal Injury Protection (PIP) or Medical Payments

These coverages pay for the treatment of injuries to the driver and passengers of the policyholder's auto.  PIP may cover medical expenses, lost wages and the cost of replacing services normally performed by someone injured in an auto accident.

3. Property Damage Liability

This coverage pays for damage you or someone legally driving your auto causes to someone else's property.  Typically, this is damage to someone else's car, but it could be buildings, fences, or other type structures with which your car collides.

4. Collision

This coverage pays for damge to your car as a result of collision with another vehicle, pothole, other object or overturning. Typically sold with a deductible ranging from $100 to $1,000 with higher deductibles allowing for lower premiums. When at fault your policy will pay for your repairs minus the deductible. When not at fault your policy will pay for repairs minus the deductible then seek reimbursement (subrogation) against the other insurance carrier. If successful your deductible will be returned.