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Personal Auto Coverages

These coverages help protect you, your passengers, or other
people on the road in the event of an accident.

All of our personal lines come with our exclusive *

Bodily injury liability:

If you cause an accident and someone is injured, this coverage can help pay their medical bills and loss of income.

Property damage liability:

If you cause an accident, this coverage helps pay for damages to another person’s vehicle or property.

Personal injury protection:

Learn about PIP coverage and how it may keep you covered in the event of an accident.

Uninsured motorist:

Helps protect you and your vehicle from uninsured drivers and hit-and-run accidents.

Underinsured motorist:

Helps protect you from drivers who do not have enough insurance to cover the costs of an accident.

Medical payments:

Also known as med pay, helps pay medical costs for you and your passengers in the event of a covered auto accident.

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Vehicle Coverages

​These coverages help you with repairing any damage done to
your vehicle or another driver’s, as well as providing additional
resources if you can no longer use your own car.

Regardless of who’s at fault, collision can pay for damage to your vehicle if you hit another vehicle or object, another vehicle hits you, or your vehicle rolls over.


Also known as “other than collision,” this coverage can help pay for damage to your vehicle from vandalism, theft, weather events, and accidents involving animals.

Towing and labor coverage:

This coverage can help when your car is stuck, broken down, or inoperable due to an accident.

Rental car expense:

This coverage provides access to a rental car or other transportation while your car is in the repair shop after a covered accident. Also known as loss of use or transportation expenses.

Gap coverage:

If your car is a total loss after an accident, this coverage may pay the difference between the actual cash value and what you owe on the lease or loan.

Rideshare Coverage:

Your personal auto policy does not typically cover liability or property damage while you are working for Uber or Lyft.  Rideshare endorsement coverage allows for broader coverage than typically included by a Rideshare Company policy.

*Renew-Check is an exclusive Creekside Insurance Advisors Inc. trademarked service that automatically re-shops your home and auto coverage when your renewal premium increases by a pre-determined percentage.

Welcome to - Creekside Insurance Advisors, Inc.
                 Winchester Home Office

Monday - Thursday:  9 a.m. - 5 p.m.

Friday: 9 a.m. - 3 p.m.

                 Richmond Office

By Appointment Only

( or phone / Zoom)



“In recent months, I made the decision to retire from Winchester Public Schools. After 35 years, I had multiple task at hand and some very daunting.

Melissa made the transition much easier than I expected as she left no stone unturned. THANK YOU!"

Beth H.

“It was great working with Tina. She is knowledgeable and professional to work with. Helping us navigate through uncommon waters. Thank you!


I will be referring many friends so you can work your magic”

Bill, Bunker Hill, WV.

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