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Auto and
Home Discount Each Other in the Same Household The New Auto Insurance Model can be competitive
with "all
those other guys". Gecko who?
The Same Great Agent Service is Still Free. We've been providing area service
for 24 years.
Discount your auto policy with a life insurance policy.
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If you haven't received
an auto quote from me since 2/16/10, now's time. Our new
Auto Policy uses a completely new rating model. All I usually need for a 98% - 99% accurate preliminary Auto Quote is Name, DOB, Drivers License Number of
"Name Insured", and Car make and models. If Coverage Information is not provided, we'll use a "standard" converage configuration. Please Call US at 972-727-9557
or Inquire Below: For an
"online" Preliminary Auto Quote: Click Here Selection of appropriate rate is based
on underwriting criteria. Adverse driving history or other underwriting factors affects final premium.
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Summary of Primary Auto Insurance Coverages
1. Bodily Injury Liability
This coverage applies to injuries
you, the designated driver or policyholder cause to someone else. You and family members listed on the policy are also covered
when driving someone else's car with their permission.
It's very important to have enough liability insurance,
because if you are involved in a serious accident, you may be sued for a large sum of money. Definitely consider buying more
than the state-required minimum to protect assets such as your home and savings.
2. Medical Payments or Personal Injury Protection (PIP)
This coverage pays for the treatment of injuries
to the driver and passengers of the policyholder's car. At its broadest, PIP can cover medical payments, lost wages and the
cost of replacing services normally performed by someone injured in an auto accident. It may also cover funeral costs.
3. Property
Damage Liability
This coverage pays for damage you (or someone driving
the car with your permission) may cause to someone else's property. Usually, this means damage to someone else's car, but
it also includes damage to lamp posts, telephone poles, fences, buildings or other structures your car hit.
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4. Collision
This coverage pays for damage to your car resulting from a collision with another car, object or as a result of
flipping over. It also covers damage caused by potholes. Collision coverage is generally sold with a deductible of $250
to $1,000-the higher your deductible, the lower your premium. Even if you are at fault for the accident, your collision
coverage will reimburse you for the costs of repairing your car, minus the deductible. If you're not at fault, your insurance
company may try to recover the amount they paid you from the other driver's insurance company. If they are successful, you'll
also be reimbursed for the deductible.
5. Comprehensive
This coverage reimburses you for loss due to theft or damage caused by something other than a collision
with another car or object, such as fire, falling objects, missiles, explosion, earthquake, windstorm, hail, flood, vandalism,
riot, or contact with animals such as birds or deer.
Comprehensive insurance is usually sold with a $100 to $200 deductible, though you may want to
opt for a higher deductible as a way of lowering your premium.
Comprehensive insurance will also reimburse you if
your windshield is cracked or shattered. Some companies offer glass coverage with or without a deductible.
States do not require that
you purchase collision or comprehensive coverage, but if you have a car loan, your lender may insist you carry it until your
loan is paid off.
6. Uninsured
and Underinsured Motorist Coverage
This coverage will reimburse you, a member of your family, or a designated driver if one of you is hit
by an uninsured or hit-and-run driver.
Note: Not all products are available in all states. Information
presented on this Web site is not a policy document or official program guide. The actual insurance contract is contained
only in the policy. Insurance protection may vary from the coverages shown, depending on the standard coverages included in
the policy and the optional coverages purchased. Please check the actual policy documents and/or state-specific program guides
for details on coverages, eligibility, exclusions, limits, deductibles and restrictions, which are subject to change. Or call
your marketing representative.
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