Ronald Dwyer

 

Automobile Insurance

 

As an Independent Agent I can offer competitive rates by quoting your automobiles with several different companies.

Insurance rates may vary by type of vehicle, coverage and garaging location.

Driving records, violations, credit and claims histories also are factors in determining the premium for auto insurance.

 

 

 
  Bodily Injury Liability
Protects you and your assets for causing bodily injury to others as the result of an accident, including defense cos


Property Damage Liability
Protects you and your assets for causing damage to property of others outside of Michigan, including defense costs.


Personal Injury Protection
PIP provides protection for bodily injury to the insured, relatives and others. PIP coverage provides medical, hospitalization and disability coverage.

Optional Coverages:

Comprehensive

Pays for loss or damage to your automobile other than by collision. Includes loss due to fire, theft, windstorm, glass breakage, vandalism or other perils.

Collision- Limited, Standard and Broad Form

Limited Collision

Limited collision pays for damages when the driver of the insured vehicle is less than 50% at fault. If driver of the insured vehicle is more than 50% the cause of the accident, no payment will be made for the collision damage.

Standard Collision

Standard Collision pays the actual cash value less your choice of deductible. Pays for damages to the insured vehicle, regardless of who is responsible for the accident. Insured must always pay a deductible amount.

Broad Form Collision

Broad form collision pays for damages to the insured vehicle regardless of who is responsible for the accident. Deductible is waived if the insured vehicle is lessthan 50% the cause of the accident.

Limited Property Damage

Protections against legal liability for damage to motor vehicle, to the extent the damages are not covered by other vehicles insurance. $500(Limited by Law)

Car Rental Coverage

Car rental coverage pays for the cost of a replacement vehicle while the described vehicle is being repaired due to damage covered under collision or comprehensive coverage. Coverage limits may vary by company.

Towing/ Road Service

Coverage for towing and labor costs necessitated by the disablement of your vehicle. Coverage limits may vary by company.
 

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       Michigan Locations
Michigan Locations:
Waterford Office:
2625 Pontiac Lake
Waterford, MI 48682
Phone: 248.390-6345
Fax: 248.682-2430
 
Troy Office:
2836 Winter
Troy, MI 48083
Phone: 248.390-6345
Fax: 248.682-2430
   
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