09/12/2017
As an insurance producer I'll review your options with you to find the company and coverage that are right for you.
Because, when you buy an auto insurance policy, you are buying a package of individual coverage. Each coverage protects you against different types of losses. Once you understand the various coverages, you can decide and determine the limits of coverage you will need.
The following are some common coverages that you need to know:
1- Bodily Injury (BI) Liability Coverage pays, up to the coverage 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. It also pays your legal defense costs. In most states this coverage is mandatory.
2- Property Damage (PD) Liability Coverage pays, up to the coverage limits, for another individual's vehicle or property that has been damaged in an accident for which you or the operator of your vehicle is legally responsible. In most states this coverage is also mandatory.
3- Medical Payments Coverage pays, up to the coverage limits, for reasonable and necessary doctor, hospital and funeral expenses for you and your passengers injured or killed in an accident, regardless of who is at fault. Payments are usually limited to one to three years after the accident. This coverage is optional in most states without no-fault insurance systems.
4- Uninsured/Underinsured Motorists (UM/UIM) Coverage pays, up to the coverage limits, for pain and suffering which is not covered by medical, disability and PIP. Underinsured motorist coverage pays for bodily injury to you or your family resulting from the negligence of someone whose liability insurance limits are insufficient. The definition of an underinsured motorist varies from state to state.
5- Collision Coverage pays, up to the coverage limits, for damage to your vehicle or a vehicle you are operating caused by a collision or rollover. This coverage is usually required if you have a vehicle loan.
6- Comprehensive Physical Damage Coverage pays, up to the coverage limits, for damage to your vehicle or any vehicle in your custody resulting from theft, fire, vandalism, flooding, hail or other perils (but not damage by collision or overturning). It is usually required if you have a vehicle loan.
7- PIP stands for personal injury protection, and it is an extension of car insurance that covers medical expenses and, in many cases, lost wages. It is often called “no-fault” coverage because its inherent comprehensiveness pays out claims agnostic of who is at fault in the accident.
8- Rental Reimbursement pays up to a specified amount for rental vehicle charges while your vehicle is being repaired for damage covered under your policy. If you prefer not to incur the cost of renting a vehicle yourself and cannot be without a vehicle while yours is being repaired, you might consider this coverage.
9- Towing and Labor covers some costs incurred for services rendered at the place of breakdown or for towing to a repair shop. It covers the delivery of gas, oil or a battery, but not the cost of these items. If you lock the keys in the vehicle or need a tire changed, this may also be covered. These services are often included in auto club memberships, which can result in unnecessary duplicate coverage.
We'r represent :
Safeco, Progressive, Kemper, Republic group, Travelers, The Hartford, CNA, Liberty Mutual, United Fire Group, Hanover, Foremost, Utica, Allied, Texas Mutual, Service Lloyds, Accident Fund, Philadelphia
Services: Personal Insurance - Homeowners, Renters, Condo, Flood, Auto, Boat, Watercraft, Motorcycle, RV Umbrella, Business Insurance - Property, General Liability, Commercial Auto, Workers compensation, Product Liability, Inland Marine, Builders Risk, Crime, Directors & Officers, Umbrella.
Associations: IIAT, Dallas Builders Association, Trusted Choice, CRIS
Photo for Insurance One Agency, LC
Photo of Insurance One Agency, LC - Dallas, TX, United States
--
Sincerely,
KATHY QUINCY AYUN
Insurance One Agency, LC.
Phone: 469-704-5658
Fax: 214-853-5684
[email protected]
