AUTO INSURANCE

We help design a product to help financially cover possible auto-related damages, loss or injuries. It helps protect you, your passengers, your fellow drivers, pedestrians, other people's property. It can also help protect you in the event of an automobile-related lawsuit. An auto insurance policy is a package of several primary coverage’s. The coverage’s may differ depending on the state where you reside. Your premium payment is the total of these selected coverage’s for a given period of time.


Bodily Injury Liability -- Protection for damages that involve bodily injury to others for which you become responsible under law.
Property Damage Liability -- Protection for damage to property of others for which you become responsible under law.
Medical Payments -- Protection that pays reasonable medical and funeral services to or for those who sustain bodily injury caused by an “accident”.
Uninsured Motorist Protection -- Coverage allowing you to recover bodily injury damages due to an accident where the other party does not have insurance, and is found legally liable.
Underinsured Motorist Coverage -- Coverage allowing you to recover bodily injury damages due to an accident where the other party is found legally liable and does not have adequate liability limits.
Hired Auto Liability Coverage -- Covers liability for automobiles hired under contract on behalf of or loaned to the named insured.
Hired Auto Physical Damage -- Provides coverage for an automobile of any type: hired, borrowed, or leased on a short-term basis for use in the insured’s business. May be insured for Comprehensive and Collision Coverages.
Personal Injury Protection -- Provides coverage for injury, death, loss of services, and loss of income suffered by you, your covered passengers, or covered family members (for those who reside in states with no-fault insurance laws).
Collision Protection -- Protects you from loss caused by damage to your auto by collision, subject to the deductible on the policy.

Comprehensive Protection -- Protection for the loss of or damage to your vehicle and its equipment from all causes except collision, subject to the deductible on the policy.


Additional protection can be added with the following coverage
Towing and labor-- costs coverage to pay for emergency repairs and/or towing when your vehicle breaks down.
Rental  --for the expense of renting a substitute vehicle when there is a loss to yours.

 

Albracht Harwood Insurance Inc. | All Rights Reserved.The information on this page is intended to provide a simplified description of our products and coverages.These are not statements of contract or a binding process. Please refer to the original policy for all terms, conditions, limitations and exclusions.

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