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Auto Insurance
Here at Archbold and Lewis Insurance
we know that finding the Coverage "That's Right for You" can
be a confusing subject. Which coverage options do you need? Are you
paying too much for your insurance? Are you well protected against liability
lawsuits? These are just a few of the questions you need to ask when
deciding on your automobile insurance protection.
Here is a brief explanation of the available automobile insurance coverages
and the protection they provide.
- The Benefits of Liability Insurance.
Liability coverage is designed
to protect you against legal liability if you cause an auto accident that
results in bodily injury or damage to someone else's property.
- Coverage for Damage to Your Auto With Collision or Other-Than-Collision
coverage, your insurance company will pay for damage
to your automobile, depending on which coverage you choose.
- Collision coverage pays if your auto hits another vehicle or
object.
- Other-Than-Collision pays for losses which are not insured
under Collision coverage, which include glass breakage, fire, theft or
larceny, vandalism, windstorm, hail, water or flood and collision with
an animal.
- Protecting Against Uninsured Motorists If you're involved in
an auto accident caused by a hit-and-run driver or by someone who has no
insurance, uninsured motorist coverage will pay for damages that you are
legally entitled to collect. This coverage also provides underinsured motorists
coverage in accordance with the laws of your state.
- Covering Medical Expenses Medical payment coverage protects
you, your family and your passengers when involved in an automobile accident.
This coverage will pay for reasonable medical and funeral expenses incurred
because of an auto accident, regardless of fault. (The actual policy explains
time limitations on this coverage.)
- Optional Coverages Increased Liability Limits. The limit of
liability you choose for bodily injury and property damage determines the
amount of insurance protection you have.
- Rental Reimbursement Coverage. This coverage is designed to
pay for rental expenses you incur because of damage caused by a covered
loss to your insured auto.
- Towing and Labor Coverage. If your auto is disabled, this coverage
will pay for incurred towing costs.
Please note: This information is for summary purposes only and contains
a general outline of coverages provided in your Automobile policy, as well
as optional coverages available. This is not a contract or a policy of
any kind. Complete and detailed descriptions of automobile policy coverages
and exclusions are contained only in the policy itself. Information is
subject to change without notice.
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