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At AInsurance Direct we believe that business owners need to protect their investment. Having apiece of mind that you have an insurance agent behind you, making sure that your investment is protected.
Auto Insurance coverage is packaged into different coverage types. It is usually easiest to determine what you are required to purchase. Then, you determine what you have that needs to be protected. You purchase insurance to protect yourself (your family) in the event that you suffer a loss to your person or property and you purchase insurance to protect yourself (your family) from losses suffered by others. Below is a breakdown of each car insurance coverage type to help you understand more about what each type of coverage protects. Next to each type is a term that is usually associated with that coverage type (i.e. BI and PD). Below are descriptions of some but not all coverage’s available.
BODILY INJURY LIABILITY (BI):
Covers other people’s bodily injuries or death for which you are responsible. It also provides for a legal defense if another party in the accident files a lawsuit against you. Claims for bodily injury may be for such things as medical bills, loss of income or pain and suffering. In the event of a serious accident, you want enough insurance to cover a judgment against you in a lawsuit, without jeopardizing your personal assets. Bodily injury liability covers injury to people, not your vehicle. Therefore, it is a good idea (and usually a company requirement) to have the same level of coverage for all of your cars. Bodily Injury Liability does NOT cover you or other people on your policy. Coverage is limited to the terms and conditions contained in the policy. It is mandatory in most states.
PROPERTY DAMAGE LIABILITY (PD):
Covers you if your car damages someone else’s property. Usually it is their car, but it could be a fence, a house or any other property damaged in an accident. It also provides you with legal defense if another party files a lawsuit against you. It is a good idea to purchase enough of this insurance to cover the amount of damage your car might do to another vehicle or object. Coverage is limited to the terms and conditions contained in the policy.
“A-Insurance Direct was my first choice after checking around for quotes. They had the only reasonable price and the customer service is superb! The agents were very kind and helpful. Thank you A-Insurance Direct for the pleasurable experience you have provided!”
“I would like to thank your company for working hard to uphold and value customer satisfaction. The agents are easily accessible with almost no wait time to assist with my policy. If it wasn’t for the friendly payment reminder calls, my policy would have cancelled. Even though the agency isn’t right down the corner, it sure does feel like it! Thanks again, A-Insurance Direct!”