Personal Automobile Insurance
When you think about your car or cars, you may think about how fun they are or how well they reflect your personality. What most people don’t think about is that vehicles are the most dangerous thing that they own. Not only can a vehicle cause damage to the property of others, but it can also cause injuries to all involved parties.
For these reasons and many more, it is important to have a personal automobile insurance policy for your vehicle(s).
While there are many moving parts (no pun intended) to any auto insurance policy, we at Abdou Insurance are happy to assist in creating a custom-tailored insurance policy to best protect you in the following ways:
Property Damage. In the event of an incident where you are at fault, property damage coverage will provide protections for your liability for damaging the property of others (their car, house or other damaged property)
Collision Damage: This is a first-party coverage that will protect your vehicle in the event that it is involved in an accident with another vehicle. Typically, the coverage will pay for the repair or replacement cost of your vehicle, minus deductible.
Comprehensive Damage: This is a first-party coverage that will protect your vehicle in the event that there is damage from losses such as fire, theft, falling objects, earthquake, flood, storms, civil unrest (riot) or other natural occurrences. Typically, the coverage will pay for the repair or replacement cost of your vehicle, minus deductible.
Bodily Injury: This is the area of coverage that pays for the bodily injury or death of any person where you are at fault. This includes other expenses such as medical expenses and lost wages.
Medical Payments: This protection covers medical bills for you or your passenger(s). This coverage can also extend to instances of injury or death when you or a family member are passenger(s) in another person’s car or incur injury or worse from a vehicle while on foot.
Uninsured Motorist Coverage: This is the coverage in a policy that will provide coverage in the event that you, members of your household or passengers in your vehicle are injured from an accident where the responsible party does not have insurance. This also applies to hit-and-run situations where the responsible party leaves after an accident.
Underinsured Motorist Coverage: This is the coverage that protects you, members of your household or passengers in your vehicle if there is an accident where the responsible party does not carry enough insurance coverage.
Similarly to many types of insurance policies, TV and internet ads make it seem as though price is the most important aspect of the policy. This is not true! As you can see, each of the above coverage items are vital to a properly written auto insurance policy, and a cut rate policy may leave you exposed if the above items are left off in the name of savings.
Call the specialists at the Michael Abdou Insurance Agency to get a quote on personal automobile insurance. Don’t leave yourself exposed, talk to us today!