| |
Personal Automobile Protection
If you would like a quote
for Personal Automobile Insurance, you may call our office at 1-641-782-4626
so that we can provide
you with the personal attention you deserve with your Auto protection.
 Automobile insurance
policies typically consist of several different types of coverage, and the
price of your premium will depend on the type and amount of coverage you
choose. By looking below you will be able to learn more about the different
types of coverages that are offered.
General Liability
General liability insurance covers
deaths, injuries, and any other damages resulting from an accident. This
type of coverage is required by law in most states. Along with this, each
state sets its own minimum liability coverage requirement. Liability
insurance is typically presented in three steps:
Step One:
bodily injury for a person in an accident
Step Two:
maximum for all injuries in an accident
Step Three:
maximum property damage in an accident
Medical Payments
Medical payments insurance covers
you and members of your household in any type of accident involving an
automobile whether you are driving, walking, or even in someone else's car.
You will be indemnified immediately for yourself, passengers, and other
parties involved in the accident no matter who is at fault.
|
Collision
Collision insurance is coverage for
your own automobile in the event of an accident. Typically collision is
optional. It is possible for collision to be required if your automobile is
leased or financed to protect the interests of the lender.
Comprehensive
Comprehensive insurance provides
coverage for your automobile in events other than those involved in
collision. Examples include fire, theft, striking an animal, hail, and
floods. Similar to collision, comprehensive insurance is optional, but could
be required if your automobile is leased or financed in order to protect the
interests of the lender.
Uninsured/Underinsured Motorist
Uninsured/Underinsured Motorist
insurance protects you if you are injured in an accident where others do not
have sufficient coverage or who have no coverage at all. This is a great way
to guarantees protection for yourself while driving. Also, some states
require Uninsured/Underinsured Motorist coverage.
Endorsements
Rental
reimbursement: This insurance covers automobile rentals that are
required because your automobile has been damaged or stolen.
Towing
and Labor: This insurance covers charges that may be made due to automobile road breakdown.
Auto
Replacement: This insurance guarantees that your automobile will be
fully repaired or replaced even if the costs in doing so exceed it's
depreciated value. This insurance coverage is not always available.
|
|
