Atchley Insurance

Car Insurance

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When shopping for auto insurance coverage, or getting an auto insurance quote, there are several factors that need to be considered. Most people don’t consider what level of auto insurance coverage or auto insurance limits their auto insurance policy or auto insurance quote includes. Everyone has a different need for auto insurance. Some auto insurance consumers need much more bodily injury liability coverage than others. A lot of consumers aren’t aware of the auto insurance coverage’s available. Listed below are the common coverage options typically available in an auto policy. – Please refer to your auto insurance policy declarations to determine what coverage’s your auto insurance policy contains.

(BI) Bodily Injury Liability Coverage: This auto insurance coverage pays up to the policy limits, for damages due to injury or death of others in a vehicle accident for which you or the operator of your vehicle are legally responsible. Bodily Injury Liability Coverage also pays your legal defense costs. In California this coverage is mandatory.

(PD) Property Damage Liability Coverage: This auto insurance coverage pays up to the policy limits for damage to a vehicle, or property of others involved in an accident for which you or the operator of your vehicle is legally responsible. In California this coverage is mandatory.

Medical Payments Coverage: This auto insurance coverage pays up to the policy limits, for reasonable and necessary doctor, hospital or funeral expenses for you or your passengers injured or killed in an accident regardless of fault. In California this coverage is optional.

(UM/UIM) Uninsured / Underinsured Motorists: This auto insurance coverage pays up to the policy limits for injury’s caused by an uninsured or underinsured motorist including pain and suffering, disability, loss of wages. Some of these items are not covered by medical insurance, or health insurance. Underinsured motorist coverage pays for bodily injury to you or your family resulting from the negligence of someone whose liability insurance limits are insufficient.

Collision Coverage: This auto insurance coverage pays up to the policy limits, for damage to your vehicle or a vehicle you are operating caused by a collision or rollover. Your bank typically requires this coverage when you have a loan on your vehicle.

Comprehensive Physical Damage Coverage: This auto insurance coverage pays, up to the policy limits, for damage to your vehicle resulting from fire, theft, vandalism, glass breakage, windstorm, flood, hail, sometimes considered other than collision. Your bank typically requires this coverage when you have a loan on your vehicle.

Rental Reimbursement: This auto insurance coverage pays up to the specified policy limit for a rental replacement vehicle while your vehicle is being repaired due to a covered loss. This is an auto insurance coverage that can be very important if you commute to work or otherwise cannot be without a vehicle for 2 or more weeks.

Towing and Labor: This auto insurance coverage covers some costs incurred for services rendered at the place of breakdown or for towing to a repair shop. It can cover the delivery of gas, or help starting your car, lock out if you lock the keys in your vehicle or need a flat tire changed. These services are often included in auto club memberships, and can typically cost less.

Atchley Insurance