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BROCHURE
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WHAT IS CAR INSURANCE?
Car insurance protects you from financial liability in incidents involving your vehicle. It has two major benefits. First, it can help save you from costs involved with bodily injury (medical costs). Second, it covers property damage to both you and your property, and other people involved in the accident if you’re at fault. Car insurance is required in most states and it is illegal to operate a car without it. In general, car insurance covers damage, vandalism, and theft of your vehicle. But what any specific auto insurance policy will cover depends on the coverage type(s) you have.
WHAT IS INCLUDED IN A CAR INSURANCE POLICY?
LIABILITY INSURANCE
Doesn’t cover your vehicle, but covers damage you cause to others in an accident. It is made up of bodily injury (BI) and property damage (PD)
COLLISION & COMPREHENSIVE INSURANCE
Collision insurance covers your vehicle in case of a collision; comprehensive insurance covers your vehicle in the event of anything else (theft, vandalism, etc)
PERSONAL INJURY PROTECTION (PIP)
PIP covers medical expenses, lost wages, and other damages. It’s required in “no-fault” states because it pays regardless of legal liability.
UNINSURED/UNDERINSURED MOTORIST INSURANCE
If you’re in an accident with an uninsured driver and they’re at fault, uninsured motorist insurance means you’ll still be covered. Like liability insurance, bodily injury and property damage are covered here, but for you instead of the other driver
WHAT IS NOT COVERED?
Car insurance doesn’t cover the cost of regular maintenance for your vehicle, like getting an oil change or new tires. It also won’t cover the cost of belongings in the car; if your golf clubs are stolen from your back seat, you’ll need to rely on homeowners insurance or renters insurance. Items installed in the car (like the radio) are covered
WHO NEEDS CAR INSURANCE?
STUDENTS
Did you know that your parents may be on the hook for your debt if they cosigned your student loans? Anyone with cosigned debt should consider life insurance, even if you’re young.
SPOUSES
Marriage complicates finances, and you’ll feel better if you know your significant other is taken care of regarding any shared debt or future financial plans.
PARENTS
Whether it’s diapers or tuition, kids are expensive. A life insurance policy ensures their costs are taken care of from cradle to college.
HOMEOWNERS
Mortgages are the biggest, longest-lasting debt most people will take on. A good rule of thumb is to have a life insurance policy that lasts as long as your mortgage. It's not uncommon for a policy to last 20 or 30 years.
BUSINESS OWNERS
A smart business owner will have an insurance policy so their partners can keep the company going even after you’re gone.
SINGLE MOTHERS
Whether it’s diapers or tuition, kids are expensive. A life insurance policy ensures their costs are taken care of from cradle to college.
WHAT FACTORS DETERMINE THE VALUE OF PREMIUMS?
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ARE YOU READY? GET QUOTE NOW!
Click on the link aside (get quote now) and complete the questionnaire in order for us to make a fair assessment and estimate of your life insurance. At the end of the exercise, our insurance calculator will display quotes from our insurers for your to review and choose. Need help filling the forms? Contact Us via the email and numbers provided.
