Frequently Asked Questions
Collision coverage pay for damages if your vehicle overturnes or if it collides with another vehicle or object.
Collision coverage is subject to a deductible amount that you choose. The most frequently selected amount is $500. Select a deductible amount that you are comfortable with - if there is a Collision claim on your policy, this will be the amount you'll generally be required to pay.
Comprehensive coverage pays for damage caused by an event other than a car collision, such as fire, theft, vandalism, hail or flood. Comprehensive also covers damage from hitting an animal and covers the cost of a rental if your car is stolen. Comprehensive coverage is also subject to a deductible amount - usually the same amount you choose for Collision coverage.
Bodily injury and Property Damage (BI/PD) liability covers your legal liability, up to the limits you select, for damages caused in a covered vehicle accident. If we cover an accident for which you're sued, the insurance company will generally pay for a lawyer to defend you.
You choose your liability limits as either Split Limits or a Combined Single Limit (CSL). Split Limits divide Bodily Injury liability limits per person and per accident. (For example, $100,000/$300,000 means that the insurance company will pay for up to $100,000 for Bodily Injury liability per person in a covered crash and up to $300,000 oer crash). For Property Damage, the insurance company pays up to the limit you select per accident. CSL combines your liability coverage into one total limit per accident ($300,000).
Medical Payments coverage applies no matter who is at fault and covers the cost of reasonable and necessary medical care provided to you as a result of a car accident.
Uninsured/Underinsured Motorist coverage pays for damages that you are legally entitled to recover for your bodily injury. In general, this coverage provides what you would have received from the other person's insurance company if that person had insurance. This coverage may also protect you if the person who caused the damage does not have enough insurance.
If you buy Rental Reimbursement coverage, we will reimburse you for rental car charges incurred while your vehicle is being repaired after a covered accident. You can only buy Rental Reimbursement coverage if you buy Collision and Comprehensive.
Roadside Assistance covers labor costs incurred at the place where your vehicle becomes disabled as a result of a mechanical/electrical breakdown, dead battery, flat tire, and/or lock-out. The insurance company will also help if you run out of gas or other fluid or become stuck in snow or mud within 100 feet of a road or highway. If necessary, Roadside Assistance will cover towing to the nearest qualified repair facility.
WHAT SHOULD I DO IF I HAVE AN ACCIDENT OR LOSS?
- Do not leave the scene.
- Contact the police immediately.
- Do not discuss the accident with anyone but the police or your insurance Claims Professional.
- Do not admit fault or disclose your coverage amount.
- Write down the names, addresses and telephone numbers of all people involved or who witness the accident.
- Write down insurance information of all drivers involved.
- Report the claim immediately to your insurance agency.
We Look forward to seeing you,
The Tony Diservio Team