3103 Breckenridge Ln
Louisville, KY 40220
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The Palacio Miller Family OF AGENCIES

Auto Insurance – Peace of Mind Behind the Wheel!


What is auto insurance?

Auto insurance is a contractual agreement between you and your insurance company protects you against financial loss if you have an accident. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.

Auto insurance provides property, liability and medical coverage:

  • Property coverage pays for damage to or theft of your car.

  • Liability coverage pays for your legal responsibility to others for bodily injury or property damage.

  • Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

Most states require licensed drivers to carry liability insurance and have set minimum coverage limits. If you're financing a car, your lender may also have coverage requirements.

Why do you need auto insurance?

It's really all about protecting yourself financially.

  • I can cost A LOT of money to repair or replace your car if you're in an accident or your car is stolen.

  • If you or any passengers are injured in an accident, medical costs can be extremely expensive.

  • If you or your car is responsible for damage or injury to others, you may be sued for much more than the total worth of your personal assets.

  • State insurance requirements could mean loss of driving privileges if you are cited for no coverage.


Questions to ask your agent

Your Independent Agent is your advocate for providing auto coverage that meets your specific needs. Here are a few things to consider as you discuss the best policy for you:

  • How much can you afford to pay if you get in an accident? (To keep premiums low, you may want to have a higher deductible and be willing to pay more for repairs.)

  • What is the insurance company's level of service and ability to pay claims, and what is their procedure for claim processing?


  • We are locally owned and operated!

  • We provide coverage through multiple carriers!

  • We can combine coverage to save you money!

  • We offer friendly customer service!

  • You have 24-hour access to your policy info!

we proudly serve:

  • Arkansas
  • Indiana
  • Kentucky
  • Mississippi
  • Tennessee


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