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Al Torstrick Insurance Agency, Inc.

Learn more about our agency.

Al Torstrick Insurance Agency, Inc. strives to offer you quality insurance coverage, high levels of professional service, and long-term relationships. As independent insurance agents in Lexington, KY, we’ll research rates and coverage from top-rated insurance companies to find the right insurance rates and insurance plans for you. We do the insurance shopping and comparing for you to save you time and money!

Three generations of our family have passed through our agency, and as a family-owned and locally-operated agency, we know what it takes to help protect you from the unique risks you face. We take the time to understand your needs so we can find tailored and reliable insurance coverage that fits your budget. Our priority is to protect what matters most to you and bring you peace of mind.

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The Solution To Your Insurance Needs

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

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Trusted advice and insurance solutions to protect what matters most.

Serving Kentucky and Beyond

From our office in Lexington, KY, we are proud to serve Central Kentucky and clients throughout the state. We are also licensed to help customers in Florida, Georgia, Illinois, Indiana, Louisiana, Michigan, Missouri, North Carolina, Ohio, South Carolina, Tennessee, and Texas.

The Advantage of an Independent Agency Working for You

  • 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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Real clients. Real reviews. Real coverage.

“We have had our insurance with Al Torstrick for four years. Their claims manager was so helpful and made sure that the process went as smoothly and quickly as possible. They are definitely the kind of people that I want to help protect my family.”

– Jeff E.

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Al Torstrick Insurance Agency, Inc. + Keystone

We strive to uphold Keystone’s long-standing commitment to service.

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What Makes Al Torstrick Insurance Agency, Inc. Special

Here’s what sets us apart when it comes to serving your insurance needs.

Clients Come First

We go the extra mile to exceed your expectations, no matter what you need.

Experienced Agents

With 58+ years in business, we know what it takes to bring you quality coverage.

Community Focused

We love to give back to our community and get involved with the charities we support.

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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

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.

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  Contact Al Torstrick Insurance Agency, Inc.

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

  • Please do not include sensitive, private information in this area.
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Lexington, KY

343 Waller Avenue
Suite 101
Lexington, KY 40504

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