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- Liability coverage - pays for bodily injury or property damage that results from an auto accident you cause.
- Comprehensive coverage - pays for damage to your car caused by something other than a collision (e.g. damage from fire, hail, explosions, earthquakes, floods, riots, and theft).
- Collision coverage - pays for damage to your car caused by contact from another vehicle or object.
- Medical payments coverage - pays medical expenses for you, your family, and your passengers if injured in an auto accident in your car, or if you or a family member are a pedestrian hit by a vehicle. Available in Iowa and Wisconsin.
- Personal Injury protection - pays for the treatment of injuries you and your passengers suffer as a result of an auto accident. Available in Minnesota.
- Uninsured and underinsured motorists coverage - protects you from uninsured, underinsured, and hit-and-run drivers.
- Personal injury protection - pays for the treatment of injuries you and your passengers suffer as a result of an auto accident. Available in select states.
- Physical damage - pays for damage to your automobile.
Optional Coverages
Special coverages that go the extra mile can be added to your auto insurance policy for additional protection. Special coverages include:
- Emergency road side service - reimburses you for the costs of towing your car.
- Car rental reimbursement - reimburses you for the costs of renting a car if your car is damaged in an accident.
- Loan/Lease gap coverage - pays the difference between what your car is worth and what you owe on your car’s loan or lease.
- Named non-owner coverage - provides bodily injury, property damage, medical payments, and uninsured/underinsured motorist coverage for use of a non-owned auto.
Discounts
A variety of discounts are available for auto coverage
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Headwaters Agency Inc.
315 Park Ave S, Park Rapids, MN 56470 (218) 732-1421 or (877) 864-3058 Fax (218) 237-5625
Baudette and Roseau, MN (218) 386-1606 or (218) 434-1385
132 Lakewood Dr NW, Bemidji, MN 56601 (218) 751-1068
Buffalo, MN
Detroit Lakes, MN
Menahga, MN (218) 564-4020
PO Box 60, Pequot Lakes, MN 56472 (218) 568-6200
201 Lake St NE Ste 201G, PO Box 194, Warroad, MN 56763 (218) 386-1606 or (218) 434-1385 Fax (218) 386-1610
