Motor Vehicle and Automobile Insurance Coverage

When you are in an accident, having a quality auto insurance policy can be vital for making sure you are properly compensated for any damages. It also protects you in the event of an accident where you are at fault. At American Trust Insurance Services we strive to provide insurance policies for our clients that give the most protection possible at an affordable price.
Auto Insurance — Speeding Car in Whiting, IN

Types of Auto Insurance Coverage

Bodily Injury Liability – Injuries the policyholder causes to someone else.
Property Damage Liability – Damage the policyholder caused to someone else’s property.
Collision – Damage to the policyholder’s car from a collision. The collision could be with another car, a light post, fire hydrant, etc…
Comprehensive – Damage to the policyholder’s car that doesn’t involve a collision with another car. Covered risks typically include fire, theft, falling objects, missiles, explosion, earthquake, flood, riot and civil commotion.
Personal Injury Protection – 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.
Uninsured Motorist – Treatment of policyholder’s injuries as a result of a collision with an uninsured driver. Under-insured motorist coverage can also be included in an auto policy. Under-insured motorist coverage comes into play when an at-fault driver has auto liability insurance, but the limit of insurance is inadequate to pay for your damages.

Motorcycle & Recreational Vehicle Insurance

Your motorcycle and recreational vehicles are investments just like your home or car. In the event of a loss or accident you will need the proper amount of insurance protection to get you back on the open road.
American Trust Insurance Services offers specific coverage options just for recreational vehicles.
A recreational vehicle policy can cover several types of vehicles including:
  • Travel Trailers
  • Campers
  • Motor Homes
  • Motorcycles
  • Off road vehicles

Boaters Insurance

Check with our agents to see what type of coverage your boat will require. A Personal Watercraft Policy will cover:
  • Bodily Injury
  • Property Damage
  • Guest Passenger Liability
  • Medical Payments
  • Theft
  • Watercraft Coverage 

Contact our insurance team today at 219-473-5532 for a quote!

Classic & Antique Car Insurance

The definition of a Classic car by The Classic Car Club of America defines a classic car as: A CCCA Classic is a “fine” or “distinctive” automobile, either American or foreign built, produced between 1925 and 1948… Other factors, including engine displacement, custom coachwork and luxury accessories, such as power brakes, power clutch, and “one-shot” or automatic lubrication systems, help determine whether a car is considered to be a Classic. Get a classic car insurance policy based on the miles driven, age of the vehicle, modifications, and overall use.