Personal Auto

Whitecap Insurance would like to find you the best pricing possible for your car. Large discounts are available if you have the same insurer provide coverage for your home or apartment as well as your vehicle.
If you own or lease a car, Auto Insurance covers injuries to you, and other people, and damages to your car.

The auto policy consists of four basic types of protection:

Auto Liability Coverage provides coverage for bodily injury or property damage which you are legally responsible as a result of an accident.
Medical Payments Coverage pays your medical and hospital bills (within policy limits) if you are injured in a car accident. It will also cover medical bills (within limits) of any passenger in your car.
Collision and Comprehensive Coverage pays for damage to your car caused in a traffic accident. Comprehensive insurance covers damage caused by fire, flood, theft, tornado, and just about any other physical damage that is not covered by collision.
Uninsured/Underinsured Motorist Coverage protects you, your family members and passengers against injuries caused by a hit and run driver or someone who has no (or not enough) liability insurance.
Medical Payments should always be purchased even if you have good health insurance because this coverage also protects passengers in your car who may not have health insurance coverage.
Comprehensive and Collision insurance is required to protect the lenders interest in your car when you have a loan or lease on the car.