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AUTO & VEHICLE INSURANCE
Auto Insurance is meant to provide protection for you, your passengers and your automobile in the event of an accident. Our professional insurance agents will help you navigate the different policies and discuss with you the type of auto insurance coverage you need. The typical coverages found in most car insurance policies are as follows:
Bodily Injury / Property Damage Liability
Coverage up to the policy limit if you are found legally responsible for bodily injury or property damage to others. Our professional insurance agents will help you select appropriate liability limits for your automobile insurance.
Medical Payments
Coverage up to a stated policy limit for many necessary medical expenses for you and each occupant of your vehicle who is injured in an accident, regardless of who is at fault.
Uninsured / Underinsured Motorist
Coverage up to the policy limit for your bodily injury and/or occupants of your vehicle if you have an accident with the owner or operator of an uninsured or underinsured motor vehicle.
Personal Injury Coverage
Coverage up to the policy limit for the cost of many medical expenses and/or loss of income as the result of an accident for you, occupants of your vehicle or an insured person who is a pedestrian.
Comprehensive (not collsion)
Coverage for the cost of repair/ replacement of your vehicle, up to its actual cash value, for damage caused by a hazard like fire, theft or glass breakage. Damage caused by hitting an animal, such as a deer, would also be covered under this clause in your auto insurance policy. You may have a deductible to apply. Many bank/loan companies require this type of coverage in order to obtain a loan for your vehicle.
Collision
Coverage for the cost of repair/ replacement of your vehicle, up to its actual cash value, minus a deductible, for damage caused by a collision.
Rental Transportation
Reimburses you up to the stated policy amount for the cost of alternate transportation while your vehicle is being repaired or replaced due to a covered collision or "other than collision" loss.
Towing and Labor - Roadside Assistance
Provides coverage for towing and certain road service 24/7. Policies may differ significantly so it is important to read your policy and speak with your customer service representative if you have any questions about this option.
Gap Coverage (Auto Loan/Lease Coverage)
Reimburses you after a total loss of your insured vehicle for the difference between the actual cash value of your vehicle and the amount you still owe on its purchase money loan or lease.
Discounts
Various discounts may be available to you including auto/home combination discount, multi-car discount, loss-free discount, Good student discount, and discounts for various safety/security devises such as air bags, anti-lock brakes and anti-theft systems.
Motorcycle:
Protect yourself and your motorcycle when you're on the road with a motorcycle insurance policy. 97% of all cycles on the road are coverable through the Rubin Insurance agency motorcycle insurance coverage. Sample list of coverage:
- Collision
- Theft
- Vandalism
- Damage caused by uninsured or underinsured drivers
Motorcycle insurance options include protection for custom motorcycles, scooters and classic motorcycle insurance; covering custom equipment, medical payments and towing and labor. Contact an Agent now for a quote!
Boat Insurance
Request an insurance quote to get the coverage that’s right for you. Coverage options include:
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RV Insurance
it’s your home on the road. Protect yourself, your belongings and your recreational vehicle with RV insurance.
Recreational vehicle insurance coverage includes:
- Collision
- Property damage
- Theft
- Vandalism
- Uninsured or underinsured drivers
- Roadside assistance
- Towing and labor
- Vacation liability
ATV Insurance
All-Terrain Vehicle insurance coverage options include:
- Collision – Damage to your ATV from a collision with another ATV, rocks, trees and other obstacles
- Comprehensive – Loss or damage from theft, fire, vandalism or other covered peril
- Property damage – Damage caused to another person’s property
- Bodily injury – Pays other people’s medical expenses if you’re at fault in an accident
- Uninsured motorist – Damage caused by uninsured or underinsured riders
The Rubin Insurance Agency is licensed to sell insurance in MD, DC, VA, PA, DE, WV
Call for claims:
1-800-421-3535
Why the Rubin Agency?
33 years of experience insuring what matters to you most. Choose the Rubin Insurance Agency today!
