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Personal Automobile Insurance
Automobile policies are designed to:
- Protect others and their property.
- Protect you and your property.
- Protect your vehicle.
- Did you know this about car rentals?
When you rent a car while on vacation, most insurance policies will automatically cover your rental,
where you would not need to purchase insurance through the rental company. Check with your insurance representative.
- Did you know this about your special toys?
Your antique vehicles may be covered seperately under a special policy.
Common Pitfalls
- Limits of liability that are too low, WILL expose you to catastrophic risk.
- Uninsured motorist coverage is for you. Even though the responsibility falls on the shoulders of the other driver, most times their coverage is too low.
Since you purchase high limits for others, why not give yourself the same protection?
Coverages
While the most common auto coverages are summarized below, a representative from SAI/ICA can help you tailor the most cost effective policy consistent with the protection you need.
Protection For Others & Their Property
- Bodily Injury Liability Coverage
- Covers you for accidental bodily injury, which you or the driver of your car causes to someone else.
- If you are found to be at fault for an accident and are legally responsible for the injuries caused to the other party, this coverage will compensate them for their injuries, up to the policy limit.
- If sued, it will also cover your legal defense.
- Property Damage Liability Coverage
- Covers you for accidental property damage, which you or the driver of your car causes to someone else.
- If found to be at fault for an accident where you are legally responsible for the damages to someone else's car, this will pay for the repairs up to the limit of liability.
- It also covers your legal defense.
Protection For You & Your Passengers
- Personal Injury Protection (PIP) or No Fault
- Covers you, your family members and sometimes your passengers for medical expenses related to injuries sustained in an auto accident, regardless of fault.
- Provides coverage for lost wages.
- Provides coverage for essential services.
- Medical Payments Coverage
- Covers you for medical expenses related to injuries sustained in an auto accident.
- Uninsured Motorists Coverage
- Covers you for bodily injury you sustain in an auto accident due to the negligence of an uninsured driver.
- Only up to the limit of coverage you have chosen.
- Underinsured Motorists Coverage
- Covers you for bodily injury you sustain in an auto accident due to the negligence of an underinsured driver.
- Only up to the limit of coverage you have chosen.
Protection For Your Vehicle - Optional Coverages
- Collision Coverage
- Covers damages to your vehicle when involved in a collision with another car, truck, tree, or object.
- Is subject to a deductible.
- Comprehensive or Other Than Collision
- Covers you for damages to your car due to fire, flood, hail, theft or impact with a bird or animal.
- Is subject to a deductible.
- Rental Reimbursement
- Helps cover the costs you incur for renting a car when your car is disabled due to an accident.
- Towing
- Helps pay the costs you incur for having your vehicle towed from the scene of an accident or breakdown.
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