Calvert's
General Insurance
124 W. Main Street
Bowling Green, MO 63334
Phone: 573-324-2321 or
800-748-8324
Fax: 573-324-5289
E-mail: jimhiles@calvertsinsurance.com
Monday - Friday
8:00 a.m. - 5:00 p.m.
Calvert's General Insurance
124 W. Main Street, P.O. Box 111
Bowling Green, MO 63334
Phone: 573-324-2321 or
800-748-8324
Fax: 573-324-5289
E-mail:
Jim Hiles: jimhiles@calvertsinsurance.com
Ann Hiles: annhiles@calvertsinsurance.com
Tim Gamm: timgamm@calvertsinsurance.com
Terry Hill: terryhill@calvertsinsurance.com
Resources for Our Customers
Links for payments and changes online
Personal Auto Terms to Know
Liability Coverage: Protects the owners or drivers of a vehicle for amounts they are legally liable to pay, up to the policy limit, because of an auto accident. Liability coverage includes bodily injury and property damage.
Bodily Injury: Protects people in the insured vehicle and / or the people in another vehicle involved in an accident caused by the insured vehicle.
Property Damage: Pays for damage to the other person's vehicle or other damaged property, such as a mailbox or fence caused by an insured vehicle.
Medical Payments: Protects the insured and passengers in the insured vehicle against the cost of injuries from a car accident, regardless of who was at fault for the accident.
Uninsured Motorists / Underinsured Motorists (UM / UIM): Typically pays for bodily injury sustained by you and the occupants of an insured vehicle as a result of an accident caused by a driver without adequate insurance, but not for the damage to the insured's vehicle. Since this coverage varies by state, be sure to discuss this coverage with your local insurance agent.
Collision Coverage: Pays for damage to an insured's vehicle if it collides with another car or object overturns. Collision coverage can be purchased only if Other than Collision Coverage (Comprehensive) is also purchased.
Other than Collision Coverage (also known as Comprehensive): Pays for losses caused by missiles or falling objects, fire, theft or larceny, explosion or earthquake, windstorm, hail, wind or flood, malicious mischief or vandalism, riot or civil commotion, contact with a bird or animal, and breakage of glass.
Towing Coverage: Pays the necessary costs for towing to the nearest place where repairs can be made when an insured's vehicle becomes disabled. Towing coverage can be purchased when Collision and Other than Collision Coverages are purchased.
Other optional coverages are available, including:
Increased Limits for Excess Sound Reproducing Equipment
Audio, Visual and Data Electronic Equipment
Tapes, Records or Other Media
Auto Loan / Lease
Premium: The types of vehicles you own, your (and of the members of your household) driving records, as well as the coverages and deductibles you select all affect the amount of your premium.
We offer various discounts to our policyholders including:
Multi-car, accident-free, good student, student over 100 miles away from home without a vehicle, car pool, anti-lock brakes, anti-theft, and passive restrain. We also offer multi-policy discount savings if you insure home and auto with the same company.
SOME OF OUR OTHER COMPANIES
