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AUTO INSURANCE

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 *

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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.

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.
Collision:

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.

Comprehensive:

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.
OFFICE HOURS
                 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)

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Testimonials

“In recent months, I made the decision to retire from Winchester Public Schools. After 35 years, I had multiple tasks 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.

I was in to talk to Melissa Helmick on March 27, 2024 to determine the best choice for my Medicare Supplement insurance and prescription plan. I am turning 65 in July and know nothing about what to choose or what it entailed. Melissa was very detailed in letting me know what I needed and why. She explained everything to me and wrote everything down to make sure I understood. I walked in there with little knowledge of what path I should take when Medicare takes effect to walking out of there very knowledgeable of what I signed up for and what the cost will be and why. I recommend Melissa to anyone that needs any type of help with their insurance or insurance changes. It was a very positive experience from beginning to end. Five stars!

Myra J. Gentilcore.

Thank you so much for getting home owners insurance for us that I could keep Rommel. It meant everything!

Lovell

I received great service and dependable service. Also, the quotes by Gena Young are great.

Jerry L.

"Don and I wanted to thank you for always having our back. We are so grateful that you took the time, before you left on a much needed vacation, to set us in motion for a plan that we can afford, with the same benefits. I know that much of what you do is expected and rarely thanked. Don and I felt it important to let you know just how much we appreciate you. We received a call from Darlene to notify us that all was approved and that cards are on the way."

 

Gretchen and Don

"Melissa is always informative, uplifting and encouraging. 

Thank you for making changes less challenging.

You are a blessing!"

Maxine K.

I had the privilege of meeting Christian Fernandez recently when he got me up with more affordable auto and homeowners coverage. He was very diligent about helping me, and I was impressed from the outset with his warm and personable manner.

 

It was a delight to work with him, and you are blessed to have him in your group.

Joyce D, Winchester VA.

Gena Young is very knowledgeable with homeowners insurance. She is very friendly as well as punctual. I called her for a quote and she got back with me very quickly. She found me the best policy for my needs, she answers every question asked. I would recommend her above anyone else.

Pam P.

"Thank you for your great service!

 

It is wonderful how you are able to make something complicated easy to understand."

Lilliallen

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