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The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by accident, fire, theft, or other covered event. Your policy also provides protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.

Tri-County Agency can insure your Motorcycle, Classic Car, Motor Home & RV, Boat & Jet Ski, and ATV too!

How much auto insurance is right for you?

Every family is different, and as such, our team can offer a policy customized to fit your unique needs at a price you can afford.

Collision Insurance

Collision insurance coverage pays for damage caused to your vehicle in an automobile accident. Collision coverage comes in many forms, each varying in cost. There are three types of collision coverage to choose from.

  • Broad Collision- if you are more than 50% at fault(considered at fault), your insurance company pays, however; you are responsible for the deductible you have chosen. If you are less than 50% at fault (considered not at fault), you pay no deductible and the insurance company pays for repairs.

  • Standard or Regular Collision- your insurance company pays for damages, however you are responsible for the deductible, regardless of fault.

  • Limited Collision- if you are more than 50 % at fault, the insurance company pays nothing and you are responsible for damages. If you are less than 50% at fault, your insurance company will pay for repairs over and above the deductible you have chosen.

Collision coverage will pay for the repairs to your automobile resulting from a covered loss up to the fair market value of your car. Collision coverage usually also comes with an insurance deductible. This is the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you choose, the greater the savings on your policy.

Comprehensive Insurance (Other than Collision)

Comprehensive coverage is very similar to collision coverage – the main difference is that comprehensive covers damag”. Animal damage (deer), vandalism, flood, hurricane, theft, windshield damage and fire are all events usually covered by comprehensive. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible.) And although it’s not legally required, you will probably need it if your car is financed.

Every person is unique – Contact Us today to find out how to get the best price and value on auto insurance for you.

*Did you know? In the event of a covered loss, automobile insurance pays for a portion of your lost wages should you not be able to work as well as replacement services for the things you are not able to do around your home!

 
     
 
 
 
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In the event of a covered loss, automobile insurance pays for a portion of your lost wages should you not be able to work as well as replacement services for the things you are not able to do around your home! Contact Us to learn more!

 
     
 
 
       
       
 
 
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1118 Lake (US-23) | Tawas City, Michigan 48763 | (989) 362-3261 | 1-888-677-2324