Personal Auto Insurance
The Personal Auto Policy is designed to protect both you and your
car in the event of accident, theft, injury and other damages. The
policy we recommend consists of the following coverages:
BODILY INJURY LIABILITY
This coverage provides protection against financial loss should your
auto injure others and you are held liable. Includes such expenses
as medical bills and lost wages. You are covered up to the policy
limit per one individual and to an increased limit for an accident
injuring two or more people.
COLLISION
This coverage pays for damages to your auto which are caused by
collision with any object or overturn of your auto. It pays to the
policy limit, minus the deductible amount you select, or to the
actual value of the auto.
COMBINED SINGLE LIMIT
This provides a single liability limit for any damages caused by
your auto. For example: You could have a 50,000/100,000 bodily
injury limit and 25,000 property; or one single limit for all claims
combined, such as 100,000. This would give you $100,000 protection
for all damages, bodily injury or property, per each occurrence.
COMPREHENSIVE
This coverage pays for loss or damage to your auto (other than
collision) when caused by theft, wind, fire, vandalism, explosion,
or any other covered peril. It pays to the policy limit, minus the
deductible amount you select, or to the actual value of the auto.
DEATH AND DISMEMBERMENT
Payment will be made in the event you or your spouse are injured in
a auto accident or as a pedestrian hit by an auto, and death or
dismemberment results.
MEDICAL PAYMENTS
This coverage provides protection against financial loss when you or
others in your auto are injured. It includes such expenses as
medical bills and surgery. You are covered up to the policy limit,
regardless of who is at fault. This coverage will help fill in the
gaps you may have in your own personal or family health plan.
PERSONAL INJURY PROTECTION
This coverage provides protection in the event you are injured in an
auto accident. Expenses such as medical and rehabilitation cost,
wage-loss, replacement services, and funeral costs are covered up to
the policy limit regardless of who is at fault.
PROPERTY DAMAGE LIABILITY
This coverage provides protection against financial loss should your
auto damage the property of others and you are held liable.
This includes property such as an auto, house, fence, or building.
You are covered up to the policy limit for each separate occurrence.
RENTAL REIMBURSEMENT
This coverage pays for the rental of an auto, up to a stated limit,
when your insured auto is disabled due to a collision or
comprehensive damage.
SOUND EQUIPMENT
This coverage pays for loss of a non-factory installed sound system
which is used to transmit, receive, or reproduce sound.
This endorsement also covers loss of CB radio, telephone, CD unit,
scanning monitor, antennas, speakers and other accessories used with
your sound equipment.
TAPES AND CD'S
This coverage pays for the loss of tapes and CD's, if damaged or
stolen from your insured auto, up to the stated limit.
TOWING AND LABOR
This coverage pays for towing and emergency labor costs when the
insured auto becomes disabled while on the road, up to a stated
amount.
UNDERINSURED MOTORIST
This coverage pays the difference between the amount you are
entitled to receive for an injury and the actual amount of insurance
carried by the driver responsible for your injuries. You and your
passengers are covered up to the policy limit.
UNINSURED MOTORIST
This coverage pays for expenses that you and your passengers incur
as a result of injury caused by an uninsured motorist.
The coverage also pays you and your family members up to the policy
limit if you are a victim of a hit-and-run accident or are struck by
a vehicle as a pedestrian.
UNINSURED MOTORISTS PROPERTY DAMAGE
This coverage pays for the property damage to your vehicle caused by
an uninsured motorist, when he is held liable for damages.