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Williams Agency

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Trust. It’s what we strive to earn from each of our clients because we truly have their best interests at heart. In 1986, Williams Agency was founded upon the principles of honesty and integrity, and we continue to do everything we can to make sure we are an agency you can rely on when you need us the most. With our local office based in Winchester, KY, you can count on us to be the trustworthy insurance agency you deserve to have by your side.

When it comes down to it, insurance is more about what you need to protect than it is about the price of the policy. We understand what’s most important in your life, and we know how to safeguard it with customized coverage designed for your unique needs at affordable rates that fit your budget. We bridge the gap between finding that quality coverage while saving you money, so you can have the coverage that’s right for you without breaking the bank.

About Our Agency

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Williams Agency + Erie Insurance

We strive to uphold Erie Insurance’s long-standing commitment to service.

  • Erie Insurance Producer of the Year (2019)
  • Annual Insurance Advisor Awards
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The Advantage of an Independent Agency Working for You
  • We represent multiple insurance companies.
  • We are licensed insurance advisors.
  • We are by your side every step of the way.
  • We offer a wide variety of insurance solutions.
  • We are there for you in your time of need.
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A Team You Can Trust

Williams Agency was founded on honesty and integrity and is focused on earning your trust.

We Love Our Customers and Community
A Truly One-of-a-Kind Team
Proud to Be Involved in Our Community
Guiding Others in the Right Direction

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Get a glimpse of the risks you face and how your insurance can protect what matters most.

Auto

Bodily Injury Liability Coverage

Risk Factor

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.

Solution

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

Risk Factor

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.

Solution

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

Risk Factor

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.

Solution

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

Risk Factor

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.

Solution

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

Risk Factor

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.

Solution

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

Risk Factor

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.

Solution

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.

Auto Insurance 101

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Serving Winchester, KY and Beyond

We are proud to serve clients locally in Winchester, KY and Mt. Sterling, KY, as well as Fayette, Clark, Bourbon, and Madison Counties across Kentucky.

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As an independent agency, we are here to help you find the right coverage.

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Winchester, KY

103 N. Maple Street
Winchester, KY 40391

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