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As an independent agency, we are here to help you find the right coverage.

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When you choose an insurance policy, you want to feel confident that your coverage is where it needs to be and that your claim will be covered. But the options can feel overwhelming, especially when comparing online providers. The knowledgeable team at Schultheis Agency will navigate the policies so you can get the coverage you need without paying for what you don’t.

Our core values are the foundation of our business and offer continued success and authenticity for our clients.
Choice

We work with a wide range of reputable insurance companies so that you can get the best protection for you.

Experience

Schultheis Agency has been insuring individuals and businesses in Fort Wayne, IN, since 1975. A family-owned agency, we have three generations of experience to help you get a personalized insurance policy.

Service

We’re here for you whether you have a question about your policy, need help with a claim, would like to expand your coverage, or would like information about insurance rates. As a family business, we believe in treating customers like family.

How It Works

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Personal Insurance

Trusted advice and insurance solutions to protect what matters most.

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Learn about potential insurance claims and how your insurance policy 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

Property damage coverage protects you if your car damages someone else's property, such as another car, a fence, or building front. When choosing your property damage liability limits, you should consider all of your assets, including your home and future earnings because if you don't have enough coverage to protect all of your assets, those assets could be at risk if you're liable for damages that exceed your coverage limit. Consider having a higher limit of liability coverage – it may help you avoid having to pay out-of-pocket after an at-fault accident.

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, takes off? According to the Insurance Research Council, this happens more than you might expect. In fact, it is estimated that one in seven drivers go uninsured, leaving you 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.

Transportation Expenses / Rental Coverage

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

Transportation expenses/rental coverage 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

Make sure you cover the unique risks you face with auto insurance.

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Working for You

An independent agency that has your best interests in mind.

  • We represent multiple insurance companies.
  • We are licensed insurance advisors.
  • We are by your side every step of the way.
  • We offer a wide variety of insurance solutions.
  • We are there for you in your time of need.
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The Schultheis Agency Advantage

An experienced team that understands the complex world of insurance.

We have built our reputation on relationships and work hard to serve our clients.
We are a proud to be a 3rd generation family-run business.
We have over 120 years of combined industry experience.

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As an independent agency, we are here to help you find the right coverage.

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Fort Wayne, IN

1910 Saint Joe Center Road, Suite 11
Fort Wayne, IN 46825

Our service extends to individuals and businesses throughout Northern Indiana, with a focus in New Haven, IN, Fort Wayne, IN, Auburn, IN, Huntertown, IN, Leo-Cedarville, IN, and surrounding areas.

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