- Commercial Auto, which provides coverage for your company vehicles, including:
  • Liability
  • Comprehensive
  • Collision
  • Medical Payments
  • Hired Auto
  • Non-owned Auto
  • Uninsured/Underinsured Motorists
  • Personal Injury Protection in states with "no fault" laws

    • COMPREHENSIVE COVERAGE
    Comprehensive coverage covers damage to your vehicle that is not caused by a collision. Such damage may include:
    • contact with a bird or animal
    • falling or flying objects
    • theft or larceny
    • fire
    • windstorm
    • hail, water or flood
    • malicious mischief or vandalism
    • riot or civil commotion
    • breakage of glass
    • explosion or earthquake
    Glass breakage may be covered under Comprehensive, even if caused by a collision or upset. If the policyholder has a "chip" in the windshield and elects to have it repaired instead of replaced, the deductible may be waived.

    COLLISION COVERAGE (AUTO)
    Collision coverage provides protection for damage caused by collision with:

    • another vehicle
    • an object (such as a telephone pole, fence, or building)
    • a parked car.
    Broken glass is usually covered under this section of the policy if there is no comprehensive coverage in force.

    PERSONAL BELONGINGS
    Coverage may be provided an insured's or relative's clothing or luggage which is damaged in the auto, due to a Comprehensive or Collision loss.

    THEFT
    In case of theft of an insured auto the following items may be covered:

    • Stolen clothing or luggage left in the auto
    • Repayment of travel costs beginning 48 hours after the stolen auto is reported to the police and to your insurer.
    Travel costs can include car rental, train, bus, or taxi fares. Note maximum limits.

    DISABLEMENT
    If your auto is disabled as a result of a covered loss, your coverage may provide reimbursement for travel costs from the point of disablement to your destination. Maximum amounts may apply. This could include bus fare, taxi fare, etc.


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    Brown & Associates
    2912 Willow St. Pike, Willow Street, PA 17584
    717.464.3371 -- 717.464.0697 (fax) -- info@hkbinsurance.com

    1873 Lincoln Highway East, Lancaster, PA 17602
    717.397.0123 -- 717.397.8017 (fax)