|© 2015 Website by K&J Marketing Services, All Rights Reserved | Disclaimer.
|Connect With Us
|More Than Just Insurance!
|Serving Sun Prairie and Southern Wisconsin
|serious injury where damages exceed your limits, you will be held responsible for the amount above your limits. To make that payment, you could be forced to liquidate property, savings, and other
assets, or your future earnings could be attached. By purchasing liability limits to account for both your current assets and future net worth, you can help protect yourself against this risk.
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.
Medical payments coverage-sometimes referred to as medical expense coverage-can help cover the medical expenses associated with auto accidents. It generally covers medical expenses for you,
your passengers and any family members driving the insured vehicle at the time of the accident-no matter who's found to be at fault. It can also help cover you if you or your family member is injured
in another car or injured as a pedestrian.
OTHER THAN COLLISION COVERAGE (COMPREHENSIVE)
Coverage available under the personal auto policy that provides a form of "all risks" protection for damage to a covered auto from perils other than collision. Losses include but are not limited to fire,
theft or larceny, explosion or earthquake, windstorm, hail, water, flood, malicious mischief, vandalism, riot, contact with an animal, and glass breakage. This protection is sometimes referred to as
COLLISION COVERAGE (COLLISION):
Covers damage to your car when your car hits, or is hit by, another vehicle, or other object. Pays to fix your vehicle less the deductible you choose. To keep your premiums low, select as large a
deductible as you feel comfortable paying out of pocket. For older cars, consider dropping this coverage, since coverage is normally limited to the cash value of your car. Coverage is limited to the
terms and conditions contained in the policy. This is not required by a state, but if you have a loan or a lease then the lien holder will require it.
UN-INSURED MOTORIST BODILY INJURY (UM):
Covers you, the insured members of your household and your passengers for bodily/personal injuries, damages, or death caused by an at-fault uninsured or hit-and-run driver. If you are involved in an
accident where the other driver is at fault but has no insurance, your policy will cover your medical expenses, up to the limit on your policy.
UNDER-INSURED MOTORIST BODILY INJURY (UIM):
Coverage for bodily injury (BI) and, in some states, property damage (PD) incurred by an insured when an accident is caused by a motorist who is not sufficiently insured. Depending on the
jurisdiction, UIM coverage may be written with a limits trigger or a damages trigger. With a limits trigger, UIM coverage applies when the limits of liability carried by the other motorist are lower than
the UIM limits carried by the insured. With a damages trigger, UIM coverage applies when the insured's damages are more than the at-fault party's available limits.