K L Smith Agency,LLC

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K L Smith Agency,LLC
1486 West Main St
Willimantic, CT 06226
Ph: 860-423-9294
Fx: 860-450-1121

K.L. Smith Agency was started in 1953 by Kenneth L. Smith. In 1956 Royden Smith, Ken's brother, purchased the agency. Since then Roy took the agency from a part time business to a full time operation. He increased the number of clients substantially over the years.

In 1978 Roy's son Todd started working at the agency. In 1980 his other son Garth came aboard. Todd and Garth now operate the agency on Roy's philosophy: provide our clients with the best insurance products and personal service at the best price.

The Owners

TODD R. SMITH, Personal lines — Second generation, 31 years of insurance experience, BA degree in economics from Eastern Connecticut State University, licensed agent for Property/Casualty, Life and Health. Served in the Connecticut Army National Guard for 25 years and retired in October 2003 at the rank of Command Sergeant Major.

GARTH C. SMITH, Commercial lines--Second generation, 24 years of insurance experience, BA degree in business administration from Eastern Connecticut State University, licensed agent for Property/Casualty, Life and Health.

Insuring your car will protect you from financial loss if you are ever involved in an auto accident. An auto insurance policy is essentially an agreement between yourself and your insurer that provides you with property, liability and medical coverage.

Although many people opt for minimum liability coverage, an auto policy may insure any of the following protections:
Bodily Injury Liability
Bodily injury liability covers the designated driver or policy holder if they are injured in an auto accident or if they cause injury to others. If you have family members listed on your policy, they are also covered if driving another person’s vehicle with their permission. If you opt for the minimum liability coverage, the amount you purchase may not completely cover you if you are involved in a serious accident or are served with a lawsuit. Buying more than the state required minimum will protect your assets - your home, boat, and savings- if you get into an accident.

Medical Payments
Medical payments (or personal injury protection plans) pay for the care of injuries to the driver and passengers of the policyholder’s car in the event of an accident. Depending on the amount of coverage you choose, medical payments coverage can cover medical costs, lost wages, and possible funeral costs.

Property Damage Liability
Property damage liability coverage covers the damage you, or someone driving your car with your permission, does to another person’s property. Usually, this includes damage to lamp posts, telephone poles, buildings, fences, or other structures you may hit.

Collision
Collision coverage covers damage that to your car that results from a collision with another vehicle or object. This type of coverage also covers your car against damage from potholes, or if it flips over. You can choose a relatively low deductible or a high one- but keep in mind that a higher deductible will result in a lower premium.

Comprehensive
If you car is stolen or is damaged by something other than a collision with another car or object (i.e. fire, falling objects, missiles, explosions, hail, vandalism, etc.). Comprehensive insurance will also reimburse you if your windshield is cracked or shattered. Some companies offer glass coverage with or without a deductible.

If you are looking into purchasing an auto insurance policy, K L Smith Agency,LLC is happy to help. Contact us today for more information, or to get a free auto insurance quote. Even better- by combining your auto and homeowners insurance with K L Smith Agency,LLC, you can save up to 30%!