Personal Auto Insurance

Automobile insurance is one of those things you don’t think about until you need it. When that time comes, it’s essential to know you’re adequately covered by an insurance company with your best interests at heart.

Why Choose Lofton Wells?

We at Lofton Wells Insurance have been working together with the good people of Tennessee for over 38 years. We’ve built relationships, established trust, and grown alongside our community. Now that we cover ten states throughout the country, we are determined to bring the same passion and commitment that has helped us forge so many great relationships through the years. As our insurance family continues to expand, we can’t help but notice how much things have changed since 1982. Our goals, however, have not. We remain dedicated to going above and beyond to provide excellent customer service and policies so that you can have the peace of mind to focus on what is important to you.

What is the Best Auto Policy for me?

That is the question. Most states have minimum car insurance requirements that must be met in order to drive legally. Typically this means bodily injury and property damage liability coverage, which cover the costs of damages to their property, medical expenses, and potential lawsuits if you are found at fault. Does that mean that if you meet those requirements, you will be protected financially in the case of an accident? Probably not.

  1. The minimum insurance wouldn’t pay for your medical bills or damage to your vehicle. Many drivers aren’t able to easily absorb the cost of acquiring another vehicle, let alone medical expenses.
  2. Liability coverage is excellent and necessary, but the minimum requirements are low, and thus, a trap for the uninformed driver. Low liability coverage amounts can be surpassed quickly in the event of an accident requiring medical treatment or a collision with an expensive car. Any additional costs would be your responsibility to pay out of pocket.

That is not exactly what we at Lofton Wells think of as insurance. Keeping you safe is our number one priority. Our expert agents will work with you to craft a policy that can cover your unique needs without leaving you vulnerable to massive losses. A more comprehensive policy should consider the following coverage options in addition to bodily injury and property damage liability:

  • Collision coverage - covers the costs to repair or replace your vehicle in the event of an at-fault accident. This coverage would also apply when colliding with objects such as fencing, a guard rail, or a tree.
  • Comprehensive coverage - covers damage that occurs from incidents other than a collision. This could include theft, vandalism, fire, natural disaster, collision with animals, or a branch falling on your vehicle.
  • Uninsured/Underinsured Motorist coverage - covers medical costs and damages to your vehicle in the event you are hit by a driver with inadequate or nonexistent insurance. This is mandatory in nearly most states.
  • Liability Insurance - helps pay for the costs of the other driver's property and medical injuries if you are “at fault” in an accident. Your insurer will pay for the property damage and injuries up to the covered limit.


Key Takeaways

Although we often think in terms of upfront cost when making financial decisions, a better way to approach it would be to assess true value. There is greater value in adding targeted protection for your property and loved ones based on your unique needs. Call the trusted agents at Lofton Wells Insurance today and see for yourself the difference that a team of dedicated professionals who put the needs of their clients first can make.