Tailored Auto Insurance Plans for Richmond, KY Drivers

We understand that no two drivers are the same. That's why we offer flexible insurance plans designed for all situations.

Liability Auto Insurance

Richmond, KY law requires all drivers to carry liability coverage to cover injuries and damages if they cause an accident. Our policies meet all state requirements, ensuring compliance while keeping costs manageable. With Storz Insurance, you get:

• Coverage for bodily injury and property damage
• State-compliant policy limits with upgrade options
• Protection against out-of-pocket expenses in lawsuits
• Competitive rates with available discounts

Collision Coverage

Accidents happen, and when they do, collision insurance covers repair or replacement costs for your vehicle. Whether it's a fender bender or a major crash, we provide:

• Coverage for damage from collisions with other vehicles or objects
• Fast claims processing to minimize downtime
• Options for deductible customization
• Affordable plans for all vehicle types

Comprehensive Vehicle Protection in Richmond, KY

Damage doesn’t always come from accidents. Comprehensive insurance covers theft, vandalism, natural disasters, and more. Our plans include:

• Protection from fire, flooding, hail, and falling objects
• Reimbursement for stolen or totaled vehicles
• Windshield repair and glass damage coverage
• Flexible deductibles to control costs

Richmond, KY Uninsured/Underinsured Motorist Coverage

Not everyone on the road follows the law. If you're hit by an uninsured or underinsured driver, you shouldn’t have to pay the price. Our policies include:

• Coverage for medical bills and vehicle repairs
• Protection from hit-and-run accidents
• Peace of mind knowing you’re covered in any situation

Personal Injury Protection (PIP)

Medical expenses can add up fast after an accident. PIP coverage ensures you and your passengers get the care you need, regardless of who was at fault. With Storz Insurance, you get:

• Medical expense coverage, including hospital bills
• Compensation for lost wages due to injuries
• Coverage for funeral expenses if needed
• No-fault benefits, meaning faster payouts

Choosing the Right Coverage

Picking the right Richmond, KY auto insurance policy depends on your budget, driving habits, and level of risk. Here’s how to decide:

• Assess Your Vehicle’s Value – If you drive a newer car, full coverage might be best.
• Think About Your Commute – More time on the road increases accident risk.
• Check State Requirements – Richmond, KY mandates liability coverage but additional protection is recommended.
• Talk to an Expert – Call our agents to discuss your best options.