Insurance Services for your Personal, Business, Financial, and Specialty Needs in Rockford, Illinois 61107

1639 N. Alpine Road, Suite 104
Rockford, Illinois 61107

Phone: (815)316-2271
Fax: (815)316-0725
Email: dordway@ordwayinsurance.com
sue@ordwayinsurance.com

Helpful Insurance Tips

You're in the driver's seat and the road ahead is full of exciting possibilities. But there are unexpected bumps in the road that you can't control, and accidents happen no matter how careful you are.

It's what we all worry about
— that unexpected,
unplanned "what if."

Although you can't predict
the future, if
the unex–
pected happens, you can be
sure of one thing:
MetLife® Auto & Home will
be there with the protection
you need,

What if there's damage to the car?

If you damage someone's car or property in an accident, your property damage liability coverage would pay to repair or replace it, up to the liability limit you purchased.

If the accident involved a collision with another car, your collision coverage would pay for the damage to your car, no matter who caused the accident (less your deductible).

Your comprehensive coverage would pay for non–collision-type damage to your car, caused by fire, theft, vandalism, contact with animals, glass breakage, and many other hazards (less your deductible). This coverage also provides payments for:

Towing and Labor
Theft of clothing and luggage located in your car

As an option, substitute transportation is available if your car is stolen.

What if I cause an accident and someone gets hurt?

If someone gets hurt in an accident, you want to make sure your insurance has the limits and coverages to protect your financial well-being. If you're liable, your bodily injury liability coverage would pay for claims to help anyone you may have injured, up to the limit you purchased.

If someone gets hurt in your own car, your medical expense' or personal injury protection would pay for initial, minor medical expenses, regardless of who is at fault in the accident.

What if I'm in an accident with someone who doesn't have any insurance coverage?

If you're hurt in an accident, Uninsured' and Under–insured Motorists Coverage' would protect you and your passengers for bodily injury damages when the accident is caused by either a driver with no auto insurance or insufficient insurance coverage, In some states, property damage may also be included.

The Key to Savings:

Use your deductible.

You can control the cost of your collision and comprehensive coverages by selecting the deductible that's right for you. A higher deductible may mean that you are willing to pay more up front when a claim occurs, but if you are claim-free during the policy period, you could save substantial premium dollars.'

'Depending on state
'Where available