Accidents can happen when you least expect them and Samuelson Insurance Agency is right beside you through life's ups and downs. It makes sense to plan ahead with an insurance agency that can help you when you need it most. Auto Insurance helps to protect you financially from costs due to physical injuries, vehicle damage, theft, vandalism and legal liability.
Samuelson Insurance Agency offers a variety of auto insurance options. Some of the coverage available could be required by law, while others are optional. Insurance can cover:
When you buy an auto insurance policy, you are buying a package of individual coverages. Each coverage protects you against different types of losses. Once you understand the various coverages, you can decide which ones to include in your personal insurance package. You can also determine the limits of coverage you will need. The following are some common coverages found in an auto policy.
NOTE- Your policy may not contain all of these coverages.
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.
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.
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. This coverage is optional in most states without no-fault insurance systems.
Uninsured/Underinsured Motorist (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.
Collision Coverage pays, up to the coverage limits, for damage to your vehicle caused by a collision or rollover. This coverage is usually required if you have a vehicle loan.
Comprehensive Physical Damage Coverage pays, up to the coverage limits, for damage to your vehicle resulting from theft, fire, vandalism, flooding, hail or other perils (but not damaged by collision or overturning). It is usually required if you have a vehicle loan.
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.
Towing and Labor covers some costs incurred for services rendered at the place of breakdown or for towing to a repair shop.