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Options/Products available

Automobile insurance policies come with a host of options available. We have prepared a list of definitions to help educate you on the many different options available. They are listed in no particular order of importance-just alphabetically.

Bodily Injury Liability: pays for bodily injury to another person due to the negligent operation of your vehicle. It may also pay if a resident member of your family, or a person who had your permission to use your vehicle caused the damages.

Car Rental: pays for the cost of a rental vehicle while yours is being repaired due to a Collision accident or Comprehensive loss. (Limits, usage and length of time available vary from company to company).

Collision Coverage: pays the cost of repairing or replacing owner's vehicle when damaged due to an accident. Cost of this coverage is usually alterable by choice of a deductible. The higher the deductible (the amount you agree to pay) the lower the cost is for this coverage.

Comprehensive Coverage: pays the cost of repairing or replacing owner's vehicle when damaged due to Fire, Theft, Flood, Wind, Vandalism, Riots, Storm, or Earthquake, etc. Costs of this coverage are usually alterable by choice of a deductible. The higher the deductible (the amount you agree to pay) the lower the cost is for this coverage.

Custom Equipment: This coverage if available would cover custom non-factory items such as CB radios, Cellular Phones or Custom Sound Systems. This coverage may also be available to cover customized features found of Conversion Vans.

Medical Payments: covers medical and possibly funeral costs for you or those riding in your vehicle that may be injured or killed in an accident while in your vehicle. May also pay for you or resident family members if struck by a vehicle while walking or riding in another vehicle. This coverage usually pays even if you were responsible for the accident.

Property Damage Liability: pays for the damage you caused, due to the negligent operation of a vehicle. It may also pay if the damages were caused by a resident member of your family, or by a person who had your permission to use your vehicle.

Towing Coverage: pays for the costs towing or minor repair to your disabled vehicle. (Limits vary from company to company).

Underinsured Motorist Bodily Injury Coverage: pays above the limits of another insurance policy for physical injuries you may sustain if your limits of Bodily Injury are higher than the limits of the at fault motorist's policy.

Uninsured Motorist Bodily Injury Coverage: provides coverage for "Your" physical injury that was inflicted by an uninsured driver who was at fault or for injury you sustain as a result of a hit-and-run driver who was at fault.

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