All car insurance is not the same. Sure, most carriers will fix the damage resulting from a fender bender without any issues. But what about the more serious car accidents in which cars are totaled and people are injured? Will your insurance policy be there for you? Do you have a trusted agent you can turn to?
Our licensed professionals are here to help you choose the best insurance carrier and coverage that will be there when you need it. When you call us, we will be here asking for you by name, not by policy number.
Need a refresher? Here’s a list of coverages you’ll find on most car insurance policies:
Bodily Injury Liability
If you are in an accident that causes bodily injury to someones else, this coverage pays the injury damages that are your responsibility.
Property Damage Liability
Like Bodily Injury Liability, but pays for damages to another person’s car or other property
Uninsured/Underinsured Motorist – Bodily Injury
If another person with little or no insurance causes an injury to you, this coverage steps in and pays the damages owed to you that otherwise aren’t covered (the amount of coverage you carry can’t exceed your limit of Bodily Injury Liability coverage).
Uninsured/Underinsured Motorist – Property Damage
This coverage pays for damage to your car or other personal property cause by someone driving without, or not enough, insurance. A small deductible applies.
Personal Injury Protection
This coverage pays necessary and reasonable medical expenses, income loss, and benefits for extra expenses for you, family members of your household, and guests in your car in case of accidental injury or death.
This coverage pays for damage to your car from a collision or upset, regardless of fault. You select the appropriate deductible amount. Most companies will settle total losses on an Actual Cash Value basis. Some carriers will offer an option to have the car’s value agreed upon prior to an accident.
Covers damage to your car caused by something other than collision or upset, subject to your deductible. For example; theft, accidental glass breakage, fire, and vandalism.
Towing and Labor
Pays for towing when your car won’t operate under its own power. Charges for labor at the site of breakdown are also covered. In most cases, you are responsible to secure your own service and submit a receipt for reimbursement.
Like Towing and Labor, but in most cases a toll-free number is provided to have services dispatched to you. Charges are billed directly to the insurance carrier. (The cost of gas is typically not covered).
In the event of a covered loss, car rental expense is covered up to the rental reimbursement limits you select.
Auto Accidental Death
This coverage pays the surviving spouse or estate of an insured who dies in an auto accident.
Auto Loan/Lease Coverage
Applies to a covered total loss. If there’s a traditional loan, either the principal outstanding balance or the actual cash value of the car is paid at the time of loss, whichever is greater.
If the auto is leased, this coverage will pay the value of the vehicle and any other amount owed to the leasing company other than; overdue payments, lease penalties, carryover balances, non-refundable deposits, warranties, and insurance. Payment will be offset and reduced by any other payments made under this or other insurance policies.
All coverages are subject to carrier availability, policy terms, conditions and exclusions.
Our professionals can help you create the coverage that’s right for you. Call us today!