At Vern Fonk, we are the specialists for auto, homeowners, commercial bonds, commercial auto, and commercial liability insurance in Everett Washington. It doesn't matter if you are high risk or have a perfect driving record, we can get the perfect auto insurance policy for you! We are also SR22 experts! We can insure you even with a dui, reckless driving, driving while suspended, 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 in Everett Washington is a second generation family owned business that specializes in customers 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 cheap auto insurance or a high risk driver required to carry SR 22 insurance, Vern Fonk Insurance can meet all of your auto insurance needs. Call today for a quote and see how we can beat the rates and service of other auto insurance carriers. What kind of auto insurance should I carry? Personal Injury Protection (PIP) pays, up to the pre-determined limits, for reasonable and necessary doctor, hospital and funeral expenses for you and your passengers injured or killed in an accident, no matter who's fault it was. Property Damage (PD) Liability Coverage pays, up to the pre-determined limits, for another person's vehicle or property that has been damaged in an accident for which you or the person driving your car is legally responsible. In most states this coverage is mandatory. Bodily Injury (BI) Liability Coverage pays, up to the coverage limits, for damages due to injury or death of others in a car accident for which you or the driver of your car are legally responsible. It also pays your legal defense costs. In most states this coverage is mandatory. Uninsured/Underinsured Motorists (UM/UIM) Coverage pays up to the limits for pain and suffering which is not covered by medical, disability and PIP. Underinsured motorist coverage pays for bodily injury to you or your family resulting from the negligence of someone whose liability insurance limits are insufficient. The definition of an underinsured motorist varies from state to state. Comprehensive Physical Damage Coverage pays, up to the coverage limits, for damage to your vehicle or any vehicle in your custody resulting from theft, fire, vandalism, flooding, hail or other perils (but not damage by collision or overturning). It is usually required if you have a vehicle loan. Collision Coverage pays, up to the coverage limits, for damage to your vehicle or a vehicle you are operating caused by a collision or rollover. This coverage is usually required if you have a vehicle loan. Towing and Labor covers some costs for services if you breakdown or need to be towed. It covers the delivery of gas, oil or a battery, but not for the cost of these items. If you lock the keys in the car or need a tire changed, this may also be covered. These services are often included in auto club memberships, which can result in duplicate coverage. Rental Reimbursement pays up to a specified amount for rental vehicle charges while your vehicle is being repaired for damage covered under your policy. If you do not want to pay for the cost of renting a car or can't be without a car while your vehicle is being repaired, you might consider this coverage.