Get the Right Coverage

As an independent insurance company, our job is to provide you with the best automobile coverage at a reasonable cost. Auto insurance can be confusing for many consumers so let us help you make the right decision for coverage on all of your vehicles. We can offer you competitive premiums for the coverage you need.

What is Covered in Auto Insurance?

Bodily Injury Liability

This coverage applies to injuries that you, the designated driver or policyholder, cause to someone else. You and family members listed on the policy are also covered when driving someone else’s car with their permission.

Medical Payment

This coverage pays for the treatment of injuries to the driver and passengers of the policyholder’s car. At its broadest, PIP can cover medical payments, lost wages and the cost of replacing services normally performed by someone injured in an auto accident.

Collision

This coverage pays for damage to your car resulting from a collision with another car, object or as a result of flipping over. Even if you are at fault for the accident, your collision coverage will reimburse you for the costs of repairing your car, minus the deductible.

Property Damage Liability

This coverage pays for damage you (or someone driving the car with your permission) may cause to someone else’s property. Usually, this means damage to someone else’s car, but it also includes damage to lamp posts, telephone poles, fences, buildings or other structures your car hit.

Comprehensive

This coverage reimburses you for loss due to theft or damage caused by something other than a collision with another car or object, such as fire, falling objects, missiles, explosion, earthquake, windstorm, hail, flood, vandalism, riot, or contact with animals such as birds or deer.

Motorist

This coverage will reimburse you, a member of your family, or a designated driver if one of you is hit by an uninsured or hit-and-run driver. Underinsured motorist coverage comes into play when an at-fault driver has insufficient insurance to pay for your total loss.

Advantages of GCM

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Maximized Savings

Claim Assistance

Explaining Your Coverage

Quality Coverage

Personal Support

Finding Discounts

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