Insurance solutions tailored to fit your unique lifestyle.
Comprehensive coverage for today’s business.
Risk management for unique exposures.
About American Insurance Services Agency
Insurance in Clark, Westfield, Edison, Kenilworth, Old Bridge, East Brunswick, Scotch Plains, Springfield, Woodbridge, West Orange and Cranford, New Jersey.
American Insurance Services Agency is a Clark, NJ-based independent insurance agency specializing in auto insurance, business insurance, commercial insurance, homeowners insurance, renters insurance, car insurance, home insurance, flood insurance, liability insurance, contractors insurance, workers compensation insurance, commercial auto insurance, umbrella insurance and excess liability insurance.
Because we’re independent, our priority is you – not the insurance company. We represent many different insurance companies which offer a wide variety of coverage options and price points. Our goal is to deliver the right blend of price, coverage, and service.
We believe our clients’ financial security and quality of life deserve the utmost dedication, expert advice and personal attention from a trusted partner. As your insurance advisor, we help you make smart decisions – protecting you from the unexpected and planning for the predictable.
There’s more to insurance than the price of the policy.
Explore our interactive graphics and learn about your unique risks and the related insurance solutions.
Bodily Injury Liability Coverage
It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.
Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.
Property Damage Coverage
When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else’s property. Usually this means damage to someone else’s car, but it can really be any property damaged by your vehicle.
Property damage coverage protects you if your car damages someone else's property, such as another car, a fence, or building front. When choosing your property damage liability limits, you should consider all of your assets, including your home and future earnings because if you don't have enough coverage to protect all of your assets, those assets could be at risk if you're liable for damages that exceed your coverage limit. Consider having a higher limit of liability coverage – it may help you avoid having to pay out-of-pocket after an at-fault accident.
Medical Payments Coverage
Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it’s not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health care plan.
Medical payments coverage can help cover all reasonable medical expenses and funeral expenses of covered drivers and passengers after an accident, regardless of fault. In most states, it's an optional addition to your car insurance policy.
Uninsured / Underinsured Motorist Damage Coverage
What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, takes off? According to the Insurance Research Council, this happens more than you might expect. In fact, it is estimated that one in seven drivers go uninsured, leaving you to pay out-of-pocket for damages and medical expenses not covered by the other driver.
Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.
Physical Damage Coverage
Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.
Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.
Transportation Expenses / Rental Coverage
When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.
Transportation expenses/rental coverage is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.
This agency is tops in customer service. They are very attentive, helpful and efficient. If you’re shopping around for insurance or thinking of switching agents, this is the place to go.Tess L.
I have been a loyal customer of American Insurance since 1997 (20 years!) and I am very happy with their services. They are professional, courteous and always respond to emails fast.Alan Q.
I have car showrooms in and around Westfield, with a huge inventory in both old and new models. Getting individual insurance for them is crucial and American Insurance helped get the best possible coverage.Jimmy F.
I was looking for an auto insurance quote and had a great experience. Their rates are very competitive. I definitely recommend American Insurance.Maribel M.