A No-Pressure Approach to Insurance

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The Solution to Your Insurance Needs

Providing a variety of personal insurance, business insurance, and employee benefits solutions is what Dufault Insurance Agency does best.

Personal Insurance

Trusted advice and insurance solutions to protect what matters most.

Business Insurance

Coverage and risk management solutions for companies of all sizes.

Employee Benefits

Coverage that can help attract, retain, and protect your team.

Dufault Insurance Agency

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At Dufault Insurance Agency, we make you our focus, becoming your advocate for your insurance needs. That’s what you get when you work with an independent agency like ours. Unlike when you get insurance directly from a carrier, we work to help you find comprehensive coverage at a price you can afford.

We bring you the power of choice when it comes to your insurance. Because we’re independent, we represent multiple top-rated insurance carriers which means we can shop your insurance around to find you the most protection for your budget. You’re ultimately in control and you can make informed decisions when it comes to your insurance. We help to facilitate your peace of mind.

“Very professional and trustworthy. They constantly work at getting the best rates for their customers and are very personable with you. Highly recommend giving them a chance at saving you a bunch of money on your insurance needs.”

– Jordan D.
No-Pressure Sales

We won’t pressure you into a policy that won’t meet your needs or your budget.

Power of Choice

We bring you a range of coverage options, you ultimately make all the decisions.

Experienced Agents

We’ve been in business for 10+ years so we know how to bring you quality coverage.

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Dufault Insurance Agency + SIAA

We use the resources we gain through our membership with SIAA to better serve you.

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The Advantage of an Independent Agency Working for You

What makes our independent agency different?

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We represent multiple insurance companies.
We are licensed insurance advisors.
We are by your side every step of the way.
We are there for you in your time of need.

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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

The property damage portion of your auto insurance policy protects you if your car damages someone else’s property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.

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, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left 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.

Rental Coverage / Loss of Use
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

Rental coverage/ loss of use 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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East Grand Forks, MN

1418 Central Avenue NE
Suite B
East Grand Forks, MN 56721

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