Personal Auto insurance

• Auto Liability

  Compensates bodily injury expenses, including hospital bills and medical treatment, that you may be held responsible to pay if you cause an accident that injures someone else. Property Damage Liability provides the recompense to repair someone else’s property when you’re determined to be responsible for damages after an accident.

• Medical payments

  Covers the medical costs of the policyholder and anyone in their vehicle at the time of the accident.

• Uninsured/Underinsured Motorist Bodily Injury

  Reimburses for expenses associated with injury or death from an accident caused by an uninsured, underinsured, or hit-and-run driver. It also covers you if you are hit as a pedestrian.

• Physical Damage is covered with a comprehensive or collision policy.

Collision coverage – Covers damage to the insured vehicle in the event it overturns or collides with another car or object, other than an animal.

Comprehensive coverage – helps cover different types of losses that are usually not the result of driving the vehicle, such as Fire, theft, vandalism, wind, hail, breakage of glass.

Other optional policy coverages are:

• Rental Car Reimbursement covers the cost of renting a car when your car requires repair due to a covered loss. Rental Reimbursement can only be purchased on a car that has both comprehensive and collision.
• Roadside assistance provides coverage if the insured’s car is disabled due to a covered emergency. It may include Towing, Winching services, Battery jump start, Fuel Delivery, Locksmith Services, Flat tire change, On scene Labor.
• Payoff (GAP Insurance) pays the difference between the actual cash value of the vehicle at the time of a total loss and any greater amount you owe under a loan or lease agreement. Usually payoff cannot exceed 25% of actual cash value of the vehicle at the time of total loss.