As an independent agency, Lanz and McArdle represents some of the best regional insurance companies in the industry. If you are looking for auto insurance, this means choosing the most comprehensive coverages at the best price. At Lanz and McArdle Insurance, we have established long-term relationships with many of our companies. This can be important in finding the best premium or settling a claim.
Important Auto Coverages:
Bodily Injury Liability – Covers injuries to others that are caused by your negligence.
Property Damage Liability – Covers damage you may cause to another person’s property.
Uninsured Motorist Coverage – Covers injuries to you caused by and uninsured driver.
Underinsured Motorist Coverage – Covers injuries to you caused by someone with inadequate limits.
Collision – Covers damage to your vehicle when you hit another object such as another car, fences, light poles or trees.
Comprehensive – Covers damage caused by deer hits, cracked windshields, and “Acts of God”(hail, vandalism, fire).
Towing and Labor – Covers cost to tow to nearest service station for repairs. In addition, may pay for jump start and unlock.
Rental Reimbursement – Covers to reimburse you for renting a car used as a temporary replacement. The car being replaced must be unavailable for use because it has been in an accident or stolen.