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AUTOMOBILE INSURANCE
DEFINING THE TERMS Bodily Injury Liability Coverage protects you when you are liable for injury or death of others in an automobile accident including legal and court costs. The limits of this coverage refer to the maximum amount the insurance company will pay in the event of a claim. For example, limits of $100,000/$300,000 mean the company will pay as much as $100,000 to each injured person...but not more than a total of $300,000 per accident. Medical Payments Coverage pays doctors bills, hospitals bills and other related costs for you and your family - regardless of who is at fault in an accident. Personal Injury Protection Coverage is no-fault coverage. It covers you and your passengers for medical expenses, lost wages and pays for services which those injuries prevent you from performing. Uninsured Motorists Coverage protects you, your family and passengers if you are injured by a driver with no liability insurance or by a hit-and-run driver, who is held legally responsible for your injuries. Underinsured Motorists Coverage pays for your loss after the other drivers coverage has been exhausted. This is protection against drivers who have some liability insurance, but not enough to cover your claim. Collision Coverage pays to fix your car if it is involved in a collision with another vehicle or object. Comprehensive (other than collision) Coverage pays for damage resulting from such things as fires, falling trees, deer and theft. Rental Reimbursement; Towing & Labor Coverages are available to drivers who insure their autos for Comprehensive Coverage. They help to reimburse expenses you may incur if you need to rent a vehicle while your car is in the shop due to a covered accident or if your car needs to be towed due to a disablement. DISCOUNTS AVAILABLE
Multi Car Discount saves you up to 25% - on each and every car you insure - when you insure two or more cars on the same policy. Air Bag or Automatic Seat Belt Discount lowers your no-fault and medical payments premium by up to 30% Anti-Theft Devices Discount saves you up to 15% on your Comprehensive Coverage. Anti-Lock Braking System Discount reduces the cost of your Bodily Injury and Property Damage Liability coverage by 7% Good Student Discount saves up to 5% for drivers under age 25 who carry a grade average of B or better. Driver Training Discount reduces rates by up to 15% for drivers under age 21 who have completed a driver training course. Defensive Driver Discount lowers your rate if you have successfully completed a state-approved defensive driving course within the past three years. Daytime Running Lamps lowers your rate by 3% for those private passenger automobiles equipped with factory installed daytime running lamps. Window Glass Etching reduces rates up to 5% on your Comprehensive Coverage for vehicles that have at least the windshield, door glass and rear window T-Top or moon/sun roof etched with the vehicle identification number of the insured vehicle. Account Credit Offers up to 10% discount when you have your automobile and homeowner policy insured with the same company. Loss Free Discount reduces rates up to 10% on policies which have not had any amounts paid or reserved for any non-comprehensive claim under the current policy within the past three years.
HOMEOWNERS INSURANCE
Most homeowners policies are made up of the following
For renters or condominium unit owners the coverages
are different. We would be happy to discuss your specific needs and
recommend the right coverage for you so important coverages are not overlooked.
MOST IMPORTANT: Select a local Independent Insurance Agent who can give you the right advice and be there in person when you need him or her the most.
MISCELLANEOUS PERSONAL LINES COVERAGES We welcome the opportunity to advise you and provide low cost solutions to many other personal insurance needs such as:
These brief descriptions are not meant to be complete definitions of insurance coverage. They are offered as a summary only for your convenience.
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