Hartley Insurance Professionals welcome the opportunity to help you find the products that meet your needs and ensure that you get the service that you deserve. We recognize that when you buy insurance, you are not purchasing a tangible, depreciating commodity, but a product that serves as the very foundation of your financial well being. Well, we're probably a lot like you.
We need more sleep, more fun, and more money. The difference? Since 1982 we've specialized in providing an ever expanding array of insurance products and services. Our caring and knowledgeable professionals work with a variety of reputable companies to help families and small business select the insurance products and services that they want and need.
In addition to the licensed personnel shown above we also employ several other support staff that do a great deal of the work in the agency. Also, we have access to numerous other companies not shown above which enable us to help with insurance needs that range from those outlined in this web site to special events coverage and protection for businesses working outside of the United States.
We need more sleep, more fun, and more money. The difference? Since 1982 we've specialized in providing an ever expanding array of insurance products and services. Our caring and knowledgeable professionals work with a variety of reputable companies to help families and small business select the insurance products and services that they want and need.
In addition to the licensed personnel shown above we also employ several other support staff that do a great deal of the work in the agency. Also, we have access to numerous other companies not shown above which enable us to help with insurance needs that range from those outlined in this web site to special events coverage and protection for businesses working outside of the United States.
Services
Auto insurance is a contract between you and your insurance company: the company agrees to provide you specific coverage that you select in exchange for your payment of a premium.
Specific coverage you select may include coverage for injury to people and damage to property caused in a car accident.
You may also purchase coverage to protect your car against theft, vandalism, and natural disasters.
When purchasing coverage, you will need to carry minimum coverage limits, required by the State.
You may find it prudent, however, to purchase more coverage since your personal losses as well as the costs of injury and damage you cause to others may exceed the coverage limits that the State requires you to purchase.
Specific coverage you select may include coverage for injury to people and damage to property caused in a car accident.
You may also purchase coverage to protect your car against theft, vandalism, and natural disasters.
When purchasing coverage, you will need to carry minimum coverage limits, required by the State.
You may find it prudent, however, to purchase more coverage since your personal losses as well as the costs of injury and damage you cause to others may exceed the coverage limits that the State requires you to purchase.
The information provided below pertains to personal auto insurance policies, which are offered in a range of pay out limits, commonly referred to as coverage limits.
This means your company will pay out a maximum dollar amount based on the coverage limits that you choose, regardless of the actual costs of bodily injury or property damage incurred in any given accident.
Therefore, we urge you to carefully consider the coverage and pay out limits that you purchase.
Your liability insurance consists of bodily injury and property damage coverage.
This means your company will pay out a maximum dollar amount based on the coverage limits that you choose, regardless of the actual costs of bodily injury or property damage incurred in any given accident.
Therefore, we urge you to carefully consider the coverage and pay out limits that you purchase.
Your liability insurance consists of bodily injury and property damage coverage.
Auto insurance premiums for like coverage, cars, and drivers can vary markedly from one insurance company to the next.
So, shop around, or let us shop for you.
If you do shop yourself, be aware that all insurance companies are not created equal.
Consider checking independent insurance company evaluators, such as A.M. Best or Standard and Poor's, to make sure that you are dealing with a reputable company, one who will be there to pay a claim when you file yours.
Also, use care when comparing policy premiums to make sure that you are comparing like premiums for like coverage and coverage limits.
So, shop around, or let us shop for you.
If you do shop yourself, be aware that all insurance companies are not created equal.
Consider checking independent insurance company evaluators, such as A.M. Best or Standard and Poor's, to make sure that you are dealing with a reputable company, one who will be there to pay a claim when you file yours.
Also, use care when comparing policy premiums to make sure that you are comparing like premiums for like coverage and coverage limits.
Allow yourself sufficient time to drive to your intended destinations so that your good judgment is not undermined by haste and carelessness.
Keep plenty of distance between you and other cars, especially the one just in front of you.
Park in well-lit areas, preferable off the street keep your car appropriately serviced to avoid.
Air bags save thousands of lives each year, according to The National Highway Traffic Safety Administration (NHTSA).
In frontal crashes, air bags reduce deaths among drivers by about 30% and among passengers by 27%.
Keep plenty of distance between you and other cars, especially the one just in front of you.
Park in well-lit areas, preferable off the street keep your car appropriately serviced to avoid.
Air bags save thousands of lives each year, according to The National Highway Traffic Safety Administration (NHTSA).
In frontal crashes, air bags reduce deaths among drivers by about 30% and among passengers by 27%.
An SR22 is a form that is required when the state Department of Motor Vehicles (DMV) places a suspension on your license due to some action that you have taken, such as driving without insurance.
Upon your request your insurance company will issue an SR22 filing at the time that you purchase, at least, the minimum amount of liability insurance required by the state.
Should your insurance lapse after your company has issued your SR22, your insurance company will notify the state, in keeping with their legal obligations.
Upon your request your insurance company will issue an SR22 filing at the time that you purchase, at least, the minimum amount of liability insurance required by the state.
Should your insurance lapse after your company has issued your SR22, your insurance company will notify the state, in keeping with their legal obligations.
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