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 Types of Insurance

  Auto

  Bike/ATV

  Commercial Auto

  General Liability


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Auto Coverage

Car insurance is complicated. We created this brief guide to make it easier for you to understand the coverage's, deductibles and limits and how they can work for you.
Coverages

In most states, liability coverage is mandatory. All other coverage's are optional. If your car is leased or financed, you may be required to buy certain coverage limits.

› Collision: Collision coverage pays for damages if your vehicle overturns or if it collides with another vehicle or object. Collision coverage is subject to a deductible amount that you choose. The most frequently selected deductible amount is $500. Select a deductible
amount that you are comfortable with — if there is a Collision claim on your policy, this will be the amount you’ll generally be required to pay.

› Comprehensive: Comprehensive coverage pays for damage caused by an event other than a car collision, such as fire, theft, vandalism, hail or flood. Comprehensive also covers damage from hitting an animal and covers the cost of a rental if your car is stolen.
Comprehensive coverage is also subject to a deductible amount - usually the same amount you choose for Collision coverage.

› Liability: Bodily Injury and Property Damage (BI/PD) liability covers your legal liability, up to the limits you select, for damages caused in a covered vehicle accident. If your insurance company cover an accident for which you’re sued, your company will pay for a lawyer
to defend you. You choose your liability limits as either Split Limits or a Combined Single Limit (CSL). Split Limits divide Bodily Injury liability limits per person and per accident. (For example, $100,000/$300,000 means that they will pay for up to $100,000 for Bodily Injury liability per person in a covered crash and up to $300,000 per crash.) For Property Damage, they will pay up to the limit you select per accident. CSL combines your liability coverage
into one total limit per accident ($300,000).

› Personal Injury Protection: Personal Injury Protection (PIP) is available in certain states and is commonly referred to as “no-fault insurance.” PIP covers your medical bills and often lost wages. PIP usually also covers the cost of personal services you must pay someone else to do for you as a result of a car accident.

› Medical Payments: Medical Payments coverage applies no matter who is at fault and covers the cost of reasonable and necessary medical care provided to you as a result of a car accident.

› Uninsured/Underinsured Motorist: Uninsured/Underinsured Motorist coverage pays for damages that you are legally entitled to recover for your bodily injury. In general, this coverage provides what you would have received from the other person’s insurance company if that person had insurance. This coverage may also protect you if the person who caused the damage does not have enough insurance.

› Rental Reimbursement: If you buy Rental Reimbursement coverage, your insurance company will reimburse you for rental car charges incurred while your vehicle is being repaired after a covered accident. You can only buy Rental Reimbursement coverage if you buy Collision and Comprehensive.

› Roadside Assistance: Roadside Assistance covers labor costs incurred at the place where your vehicle becomes disabled as a result of a mechanical/electrical breakdown, dead battery, flat tire, and/or lock-out.


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