Coverage Name:

Definition:

Bodily Injury (BI):

Protects your liability when you accidently injury another with your car.  NOTE: This coverage is paid when negligence is proven. (This is a synopsis of the term, please contact us for additional examples and perspective.)

Property Damage (PD):

Protects your liability when you accidently damage another’s vehicle or property.  Note: The difference in coverage pricing from 25,000.00 to 200,000.00 can often be less than $4.00 every 6 months.  There are many expensive cars on the road. 

(This is a synopsis of the term, please contact us for additional examples and perspective.)

Uninsured-Underinsured PD:

Protects your vehicles and property from an un-insured or underinsured motorist.  If a motorist damages your property without insurance or with minimal insurance, your policy positions you with protection.  (This is a synopsis of the term, please contact us for additional examples and perspective.)

Uninsured-Underinsured BI:

Bodily injury caused due to the negligence of  an uninsured or under-insured motorist is how this coverage protects you. 

(This is a synopsis of the term, please contact us for additional examples and perspective.)

Medical:

Medical expense coverage for those hurt “in”, “on” or “around” your car regardless of fault.  The goal of this coverage is to provide funds for injury without the need to incur legal expenses.  (This is a synopsis of the term, please contact us for additional examples and perspective.)

Collision Deductible:

The funds your retain responsibility for in the event of a claim.  Note: Our policies have a deductible that is reduced each year there are no claims.   (This is a synopsis of the term, please contact us for additional examples and perspective.)

Comprehensive Deductible:

The funds you retain responsibility for in the event of damage to your vehicle.  Example: someone slashing your tires, a broken windshield due to hail or a rock from the road.

(This is a synopsis of the term, please contact us for additional examples and perspective.)

Towing reimbursement:

Towing “reimbursement” up to the level of coverage.  If the call for service is direct to the insurance company, the insurance company will pick-up the cost of towing up to the limits of the coverage.  The towing company will charge only for the remaining funds due.  (This is a synopsis of the term, please contact us for additional examples and perspective.)

Car Rental Reimbursement:

As a result of a claim, the insurance company will pay for a rental car in the amount of the coverage defined on a daily basis up-to 30 days.    (This is a synopsis of the term, please contact us for additional examples and perspective.)

Sound system:

Upgrades to your car’s sound system can be insured additionally.  Add-on DVD systems are an example of how this coverage can help protect you in the event of a loss.

(This is a synopsis of the term, please contact us for additional examples and perspective.)

Some of the insurance carriers waive premium increases for having accidents and reduce the ‘collision’ deductible each year for no accidents.  ‘Rebates’ are also available when there are no claims. 

WE HAVE SOLUTIONS that can meet and exceed these new services.