Auto Insurance
Quotes,
Personal Auto
insurance,
Business Auto and
Commercial Auto
insurance rates and
price indications.
Auto insurance
quotes for business
auto insurance,
commercial auto
insurance and
personal auto
insurance. Different
types of auto insurance
quotes available for
personal auto
insurance (personal
auto insurance)
to business auto
insurance
(business auto
insurance) and
commercial auto
insurance
(commercial auto
insurance).
Bodily Injury
Liability - This
covers injury that
you may cause to
other persons. The
key is that it
involves you being
held financially
responsible for
injuries to other
persons because of
your driving. This
coverage does not
apply to your
injuries.
Property-Damage
Liability - This
handles damage that
you may cause to
another person’s
property. Again, the
coverage only
responds when you
are financially
responsible for such
damage and it has to
be related to your
driving.
Uninsured Motorist
Coverage – This
coverage typically
pays for damages you
suffer from an
accident caused by
an uninsured driver.
Now, be careful with
this coverage. An
uninsured driver
must be responsible
for causing the
loss. "Uninsured"
usually refers to a
person who has no
insurance; a person
who can't be located
("hit and run
drivers"); a person
who has insurance
but their insurance
company is insolvent
and other situations
(defined by
individual state
laws).
Underinsured
Motorist Coverage
- Similar to
uninsured motorist,
it pays for injuries
caused by a driver
who is inadequately
insured. Example:
You are seriously
injured by someone
carrying a bodily
injury limit of
$25,000, but your
injuries are nearly
$50,000. Your
Underinsured
Motorist Coverage
limit is $100,000.
In this instance,
your policy would
pay the difference
between $25,000 and
$50,000.
Other areas of
coverage that may be
found on a policy:
-
Personal Injury
Protection or
Medical Expense
-
Towing and Labor
coverage
-
Rental Reimbursement.
-
Collision coverage
-
Other Than Collision
coverage
Get
auto insurance
quotes in "3" easy steps!
Almost every
business may face a
loss due to its
owning, renting,
using, or
loading/unloading a
vehicle. Most
coverage needs can
be handled by a
business auto policy
(BAP) or similar
form. BAPs may cover
a variety of
operations,
including trucking,
garaging, public and
private transport
and businesses with
auto exposures that
fall outside the
other classes.
Coverage is
flexible. It may be
purchased as a
separate policy or
as part of a package
of coverage that may
also protect
buildings and
business property
(equipment,
furniture, etc.). A
BAP generally offers
-
Liability
Coverage -
protection for
physical injury
to other persons
or their
property because
of an accident
related to your
covered vehicle
including legal
defense cost or
expense.
-
Comprehensive
Coverage -
handles loss
from any cause
except
collision. A
limited, less
expensive option
is available. It
only protects
against a set of
specific causes
such as fire,
lightning,
explosion,
vandalism and
several others)
-
Collision –
takes care of
damage from
crashes with
another object
or overturn of
the vehicle
-
Towing And Labor
Costs for
disabled
vehicles
-
Loss of
Use—Rental
Vehicle Coverage
– if you damage
a rental car,
this option
helps to
reimburse the
rental company
for income it
loses because
the vehicle is
out of use.
Also, there may
be limited
coverage for
injury or damage
that you cause
to others while
using a rented
vehicle anywhere
in the world.
Business Auto
Policy Exclusions
Typically a business
auto (or similar
form) will not
provide coverage for
the following:
-
any
injury/damage
that you
expected or
intended
-
responsibility
for damage you
assume under a
contract
-
losses that
should be
handled by a
Workers
Compensation,
Disability
Benefits or
Unemployment
Compensation Law
-
Bodily Injury to
an employee
caused by a
Fellow Employee
-
Damage to
property that is
in your Care,
Custody and
Control
-
Any bodily
injury or
property damage
that occurs
because of
Pollution
-
Any loss that is
related to
racing,
demolition or
stunts
the above
information is
provided for
informational
purposes only to
help you decide on
what type of auto
insurance quotes you
need.
Get
auto insurance
quotes in "3" easy steps!
