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Vehicle Insurance

Vehicles are big investments. Protecting them in case of an accident — and protecting those who may be injured in an accident — is just one reason you need insurance.

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Insurance coverage may vary based on the vehicle: personal autos, boats, classic cars, RVs, motorcycles, ATVs, snowmobiles, etc. Our agents can discuss the options available so you can make the right choice when it comes to insuring your vehicles.

Personal Auto Insurance – What's Covered

Typically, auto insurance includes six types of coverage:


Protects the owners or drivers of a vehicle for amounts they are legally responsible to pay due to an auto accident.

  • Bodily Injury Liability – Protects you against financial loss if someone is injured or killed by your auto and you are found liable.
  • Property Damage Liability – Pays for damage you may cause to someone else's property. Usually, this means damage to someone else's car, but it also includes other damaged property.

Medical Payments

Pays medical expenses of individuals in your car who are injured as a result of an auto accident.

Personal Injury Protection (PIP)

Pays for the treatment of injuries to the driver and passengers of the insured's car.


Pays for damage to your car that is a result of a collision with another car or object.


Pays for losses due to theft or damage that is caused by something other than a collision with another car or object. This might include damage from a fire, falling objects, missiles, explosion, earthquake, windstorm, hail, flood, vandalism, riot, or contact with animals such as birds or deer.

Uninsured and Underinsured Motorist Coverage

Reimburses you, family members, or a designated driver if an accident occurs that involves an uninsured or underinsured individual.

Other Types of Vehicles

In addition to auto insurance, our agents will be happy to discuss insurance coverage for your other vehicles, including:

  • Motorcycles
  • RV
  • Boat/Watercraft
  • Classic Car
  • ATV
  • Snowmobile

Factors That May Affect Your Premium

Many factors go into determining personal auto insurance premiums, including:

  • Your driving record
  • How much you use your car
  • Where you live
  • Where you park your car
  • Your gender
  • The car you drive
  • Your credit

Insurance Options for Your Personal Needs

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NCMIC Insurance Services is a licensed insurance agency. Insurance coverage is underwritten through many of the nation's leading insurance carriers. CA license #0B84564. In NY: NCMIC Insurance Agency. In MI: NCMIC Insurance Services Agency, Inc.

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