Auto Insurance

For most people, auto insurance details can seem tedious or even confusing. However, being sufficiently protected while you’re behind the wheel is one of the most important insurance decisions you make. Repairing or replacing a damaged vehicle can be very expensive, to say nothing of the potential medical and liability costs if people are injured.

At B+H Insurance our goal is to present you with options and recommendations tailored to your particular circumstances, so that you never have to worry about the financial hardships of an auto accident.

Protection Options

Bodily Injury Liability pays for injury to other people for which you are liable and is legally required in Delaware and many other states.

Property Damage Liability pays for damage to the property of others for which you are liable. This is also mandatory in Delaware and most other states.

Personal Injury Protection, whether you are responsible for the accident or not, your insurance company will pay for the medical

Physical damage, an optional coverage, pays for damage to your auto in either "collision" situations or "comprehensive" damage due to other circumstances (a tree limb falling on your car, for example). It usually has a deductible.

Uninsured/Under insured Motorist, an optional coverage, pays for bodily injury to you, and in some cases damage to your auto, caused by a motorist who is uninsured or under-insured (does not carry enough insurance).

Rental Reimbursement, an optional coverage, pays for your rental car expenses while your car is being repaired for a covered loss.

Towing and Labor, an optional coverage, reimburses you for specific roadside assistance and towing expenses.

Save money on auto insurance

We’ll help you find ways to minimize your premiums. For example, you may qualify for a discount because your driving record is good, your premium is paid in full, or you have multiple vehicles on the policy. We’ll also help you identify areas where you may have duplicate or unnecessary coverages. Our goal is to find the right balance of insurance protection and premium cost – all while delivering world-class customer service.


The best method to minimize your premiums, of course, is to be a safe driver. We can provide useful suggestions and educational resources to all of the drivers on your policy to be more aware of potential hazards on the road and how to avoid them.

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