Serving Olympia, Auburn, Sumner, Fife,
Fort Lewis, Lacey, Silverdale, Milton,
Port Orchard, Fircrest, Gig Harbor, and
Lakewood Washington
At Vern Fonk, we are the specialists for auto insurance in Olympia Washington. It doesn't matter if you are have a perfect driving record or are a high risk driver , we can get the perfect auto insurance policy for you! If you have a DUI/DWI on your record or require an SR-22, we can help you find good coverage at an affordable rate.We are SR22 experts!
Most companies look at drivers who have multiple tickets or accidents as high-risk drivers. We specialize in this market. We are able to get you coverage at the lowest possible price – period! We can write a policyfor you even with a dui, reckless driving, driving while suspended, no insurance, bankruptcy, international drivers license, and accidents.
We will even write a policy even with out a car!
We have many offices to serve you! Vern Fonk Auto Insurance in Olympia Washington is a second generation family owned business that specializes in auto insurance for people with tickets and/or accidents. We also issue SR-22 for suspended licenses and broad form coverage for people who do not own a vehicle. Whether you are a perfect driver looking for a cheap policy or a high risk driver requiring an SR 22, Vern Fonk can meet all of your auto insurance needs. We are committed to helping you find a policy that fits your lifestyle and budget. We provide low down payment options and flexibility in selecting a payment schedule. Call today for a quote and see how we can beat the rates and service of other carriers.
Auto Insurance Glossery of Terms:
Here's a glossary of commonly used auto policy terms.
Actual Cash Value
The cost to replace property minus the amount it has depreciated since the original purchase date.
Benefit
The amount an insurance company pays to you when you file a claim.
Bodily Injury Liability
This covers medical expenses for injuries the policyholder causes to someone else.
Claim
The policyholder's request for the reimbursement of a loss covered by their insurance policy.
Collision
This covers damage to the policyholder's car from any collision.
Comprehensive
For damage to the policyholder's car that doesn't involve hitting another car. Covers damage from fire, theft, earthquake, flood, and so forth.
Deductible
The portion of losses that you agree to pay in the event of an accident.
Endorsements
These are changes to the original insurance policy, such as a change in the deductible or an additional car or driver.
Exclusions
Situations that are not covered by a given insurance policy. Exclusions are listed on your insurance policy.
Full Coverage
This means that you have all the minimum coverage for your state of residence; it does not necessarily mean you will always be fully covered.
Indemnity
A predetermined sum paid for a covered loss.
Limits
The maximum amount of money your insurance company will pay out for your losses; many states have minimum required limits.
Medical Payments or Personal Injury Protection (PIP)
Covers the treatment of injuries to the driver and passengers of the policyholder's vehicle.
No-Fault Insurance
A no-fault policy usually will not require that someone be assigned the blame in order for the policyholder to receive his/her money. In no-fault states, insurance companies are required to have this type of policy.
Property Damage Liability
Pays for damage the policyholder causes to someone else's property.
SR-22
A document that shows proof of financial responsibility in the case of a traffic violation.
Uninsured/Underinsured Motorist Coverage
This is to pay for treatment and/or property damages of the policyholder in the event that he/she is injured in a collision with an uninsured driver.
Remember To
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