The Source for Modern Auto Insurance 

Proudly Serving Gardiner, Augusta, ME & Beyond

Motorists that have been driving their entire lives are said to experience at least three to four car accidents in their lifetime. This means that no matter how cautious you are as a driver, an accident is still likely to occur at least once in your lifetime. When accidents happen, it is important that you have the right auto insurance to cover the costs. 

Not only is auto insurance a smart choice for all motorists, but it is required by law in Maine. We provide auto insurance coverage plans to the greater Augusta and Gardiner, ME areas. According to the law, our auto insurance company is required to cover:

• $50,000 for the Injury or Death of a Single Person
• $100,000 total for a Single Accident
• $25,000 for any Property Damage
• $1,000 for Medical Payments

Collision – Should you have an accident, collision coverage can pay for all or part of the repair of your car. It can also reimburse you for the value of the vehicle should the vehicle be irreparably damaged.

Comprehensive – This type of insurance protects you in the event of damage to your vehicle that is not accident related, including things such as natural disasters, vandalism, glass damage, and animal damage.

Liability for property damage or bodily injury – This includes coverage for damage that is done to someone else’s property (like vehicles, homes, businesses, guardrails, utility poles, etc.), as well as injuries caused to another person.

Medical – This coverage will pay for/reimburse you for medical treatment should you or your passenger be injured in a car accident. This coverage typically includes doctor’s visits, hospital visits and stays, and X-rays.In the event of death, it may cover funeral expenses.

Rental car coverage – Should you have an accident and find that your car is unusable (i.e. it needs to be repaired or was totaled), or should your vehicle be stolen, this coverage pays for the cost of a rental car for a specified period of time.

Roadside assistance – This type of insurance can cover anything from assisting with tire issues, jump starting your car, towing your vehicle, bringing you extra gas, or helping if you've locked yourself out.

Uninsured – Not everyone on the road is being as cautious as you are – not just with their driving skills but with their insurance as well. This type of coverage protects you from damages caused by a driver with no insurance or inadequate insurance.

Roadside Assistance & Rental Car Coverage

Our auto insurance plans automatically come with roadside assistance and rental car coverage. Whether you have been in an accident or your car is broken down on the side of the road, you can count on us to be there to help you. Here at Pinkham Insurance, we will never leave you on the side of the road. Call today to get started!