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Personal Insurance Products

Auto Insurance

Auto insurance is insurance consumers can purchase for cars, trucks, and other vehicles.  Its primary use is to provide protection against losses incurred as a result of traffic accidents.

If you own a car, auto insurance is not just an option - it is a legal necessity.  If you are involved in an accident or have your car stolen, owning the right kind of auto insurance can help to ease a difficult situation.

Auto insurance protects you against financial loss if you have an accident.  It is a contract between you and the insurance company.  You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.

The value of auto insurance goes beyond replacing or repairing your vehicle if it’s damaged. It’s about limiting inconvenience and interruptions to your life.

Auto insurance provides property, liability and medical coverage:

  • Property coverage pays for damage to other people's property caused by your vehicle.


  • Liability coverage pays for your legal responsibility to others for bodily injury or property damage.


  • Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverage. If you're financing a car, your lender may also have requirements.

Listed below is a detailed list of the types of  auto coverages available to get you back on the road in case of an accident:

  • Bodily Injury Protection. Protects you against financial loss when you are held legally responsible for an automobile accident causing injury or death to someone else. This coverage also includes the legal costs involved in your defense for a covered suit as well as court costs and bail bond expenses.


  • Property Damage Liability. Covers you against financial loss if you are found liable for damage to other people’s property, such as light poles, fences or another vehicle, caused by your auto.


  • Uninsured Motorist Bodily Injury. This coverage pays bodily injury or death expenses for you and any passengers in your vehicle up to your policy limits if you're struck by a driver who doesn’t have insurance, or if you're struck by a “hit-and-run” driver whom you cannot identify.


  • Uninsured Motorist Property Damage. This coverage pays for damage to your vehicle when it is struck by an uninsured driver, a hit-and-run driver, or an insured driver whose Property Damage Liability limit is inadequate to cover the property damage losses incurred. Available in a limited number of states.


  • Underinsured Motorists. This coverage pays benefits for the bodily injury or death of you and any passengers in your car if you are involved in an accident caused by a driver who has some insurance, but not enough to cover the losses that result from the accident.


  • Personal Injury Protection (No-Fault). Pays benefits for the cost of personal injuries resulting from an automobile accident. Coverage applies without regard to who was at fault in the accident. It applies only to injuries, and it does not cover damage to a car, or to any other property. Coverage is provided on a per-person, per-occurrence basis.


  • Medical Payments. This coverage pays reasonable and necessary medical expenses up to the selected limits, directly resulting from an auto accident. This may include medical care, recovery, rehabilitation and remedial care, as outlined in your policy. Coverage varies by state.


  • Collision. Pays for damage to your covered vehicle (up to its actual cash value), less the deductible amount, for losses caused by collision. “Collision” means contact with a physical object, such as another vehicle or a structure. If you plan to purchase Collision coverage, selecting a higher deductible generally helps to reduce the cost of your insurance. Collision coverage is available only if you carry Comprehensive coverage. In addition, Collision is often required when your car is financed or leased.


  • Comprehensive. Pays for damage to your covered vehicle (up to actual cash value), less the deductible amount, as a result of damage caused by events such as: fire, theft, glass breakage, riot, windstorm and hail. If you plan to purchase Comprehensive coverage, selecting a higher deductible generally helps to reduce the cost of your insurance. Comprehensive is often required when your car is financed or leased.


  • Towing and Labor. Pays up to the selected limit for towing of your covered vehicle when it is inoperable, whether or not there is an accident involved. (Note: You must also select Comprehensive coverage to obtain this coverage.)


  • Rental Reimbursement. If your car becomes inoperable due to a covered loss and you need to rent a substitute, this coverage pays the cost of the rental car up to your policy limits. This coverage is available only if you carry Comprehensive and Collision coverage.


Ways to Save
There are several ways to reduce your auto insurance premium:
(These discounts may not apply to all carriers.)

  • Multi-Car Discount for two or more private passenger vehicles insured on your policy


  • Defensive Driver Credit for completing an approved defensive driver course


  • Multi-Line Discount for bundling homeowners' insurance with your auto coverage


  • Driver Training Credit for drivers under age 21 who successfully complete an approved driver training course


  • Good Student Driver Credit for each full-time student under the age of 25 who qualifies as a good student and who owns or operates a vehicle


  • Air Bags Discount for vehicles equipped with air bags


  • Anti-Theft Device Discount for having active or passive anti-theft devices on your car

Auto Insurance Categories
Policy options include the following types of vehicles:

  • Personal automobiles


  • Pickup trucks


  • Recreational vehicles


  • Travel trailers


  • Utility trailers


  • Motor homes

For more information please call us at (415) 876-5440.  You can request a free quote here.

 

 

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