Auto
Insurance Coverages
Below, you'll find the coverages we offer. If you have
questions about what coverages are right for you, please
consult with your independent Ed
Frank agent.
Liability
Coverage
When a claim is made
against you or someone driving your car with your permission,
your Liability Coverage pays for:
- bodily injury to others
and damage to the property of others when you are liable
(up to the policy limits)
- all court costs and the
costs of experienced lawyers to protect your interests –
whether you are at fault or not – whenever the claim or
suit against you is based on an act that is covered under
the policy
- the cost of bail bonds
(up to $250), attachment and appeal bonds
- up to $50 a day for loss
of earnings because of trials you attend at the insurance
company’s request
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Medical Payments Coverage
or Personal Injury Protection
Medical Payments Coverage
pays for doctor and hospital bills resulting from injuries
received in automobile accidents, or when bicyclists or
pedestrians are struck by motor vehicles. Insured persons
include you, your spouse, resident relatives and guest
passengers riding in your auto.
Reasonable funeral expenses
are covered, within the limit of Medical Payments Coverage or
the limit under Personal Injury Protection Coverage.
States with
"no-fault" auto insurance laws provide Personal
Injury Protection. Although the coverages and limits vary by
state, the coverage typically includes the medical benefits
listed above, plus:
- work loss reimbursement
for you, your spouse and resident relatives for wages lost
because of injuries received in an auto accident
- essential services
expenses pays the costs of essential services you or your
spouse would have performed except for an auto accident.
For example, if you normally mow your lawn but are unable
to do so because of an injury received in an auto
accident, this coverage will pay for having the lawn mowed
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Uninsured Motorists
Coverage
Uninsured Motorists
Coverage addresses the problem of trying to collect
compensation for bodily injury caused by uninsured drivers.
This includes hit-and-run drivers.
Uninsured Motorists
Coverage usually is offered in the same amount as your Bodily
Injury (BI) Liability Coverage. However, you may purchase
Uninsured Motorists Coverage at less than your BI limits, as
long as the coverage meets your state’s financial
responsibility limits (typically $25,000 each person, $50,000
each accident).
If you have Uninsured
Motorists Coverage, your insurance will pay for bodily injury
or death from an auto accident caused by an uninsured or
hit-and-run driver who is at fault. The coverage pays for you,
your spouse, resident relatives and guest passengers riding in
your auto.
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Underinsured Motorists
Coverage
If an accident resulting in
bodily injury to you, your spouse, resident relatives, and
guest passengers costs more than the 'at-fault' person's auto
policy will pay, Underinsured Motorists Coverage may provide
additional compensation for the injuries.
Underinsured Motorists
Coverage varies by state. In some states, the term
"underinsured" means both underinsured and
uninsured. Underinsured Motorists Coverage may be included
automatically as a coverage or may require additional premium.
Check your policy for terms and conditions of your coverage.
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Coverage For Damage to
Your Auto
This coverage pays for
direct and accidental loss to your insured auto or to certain
vehicles you are temporarily using. Coverage for Damage to
Your Auto is divided into two categories – Collision and
Comprehensive.
Collision Coverage
pays for damage to your auto when your car collides with
another auto or object, or when your car overturns (called
"upset"). This coverage will pay for repairs
required because of the accident, less the deductible.
Comprehensive Coverage
pays for practically all loss or damage to your car caused by
hazards other than collision or upset, less the deductible.
Examples include loss from fire, theft, glass breakage,
vandalism, riot, explosion, flood, falling objects, wind and
others. Mechanical breakdown is not covered.
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Optional Coverages
There are a number of
optional coverages you can include in your auto policy,
depending on your specific needs. The major Optional Coverages
are:
Emergency Assistance
Package* – Coping with an accident in your car while far
from home can be difficult and costly. This coverage helps if
trouble occurs. Some of the features include:
- up to $50 a day for
transportation expenses such as a rental car
- up to $500 for
alternative transportation home, meals, and lodging
- up to $500 for personal
property if the theft or damage occurs away from home
- up to $100 for a
telephone permanently installed in your car
- up to $50 for tapes,
records, discs, or other media - if the vehicle is stolen
- locksmith coverage up to
$50
- towing included
Loan/Lease Coverage*
– If you are paying on a car loan or have leased your car,
there can be a difference or gap between the value of the loan
or lease and the actual cash value of your car. You can cover
this difference between the unpaid amount on the loan or lease
and the value of the auto with special Loan/Lease (aka Gap)
Coverage. It can be purchased only if you purchase
Comprehensive and Collision Coverage. Loan/Lease Coverage
applies only in the event of the unexpected end of your loan
or lease due to a total loss covered by your policy. This
coverage will pay any unpaid amount due on the loan or lease
for your covered auto less:
- the amount paid under
your Comprehensive or Collision Coverage
- overdue loan/lease
payments at the time of loss
- financial penalties
imposed for excessive use, abnormal wear and tear, or high
mileage
- security deposits not
refunded by a lessor
- cost for extended
warranties or insurance purchased with the loan or lease
- carry-over balances from
previous loans or leases
The premium for Loan/Lease
Coverage is normally a small percentage of the combined
Comprehensive and Collision Coverage premium.
Loss of Use helps
pay for a rental car when your car is being repaired as a
result of collision or comprehensive damage that exceeds the
deductible.
Towing and Labor
coverage provides a large measure of additional security. If
you buy this option, The Insurance Company will pay reasonable expenses
incurred for:
- towing your car to the
nearest place where necessary repairs can be made during
regular business hours
- towing your car out if
it is stuck on or next to a public street or highway
- mechanical labor up to
one hour at the place of its breakdown
- change of a tire
- delivery of gasoline,
oil or loaned battery, but not the cost of these items
There is no dollar limit to
this coverage, whether your car is disabled and you must have
it towed or if you need a mechanic to come to the breakdown
site.
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