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Auto Insurance        



​All states require that all drivers carry at least minimum coverage liability auto insurance which will be further explained in the liability section. 
Therefore, not only do we find it crucial to protect yourself with appropriate coverage, but we are legally bound to do so as well. The following is an explanation of the different coverage options, tips on how to save on premiums, and what to do in case of an accident. Please remember, it is illegal to drive without auto insurance! 

Auto Coverage Selections

Bodily Injury Liability (State requirement)
This coverage protects you in the incident that you are found responsible for an accident resulting in injuries to third parties. This coverage will pay for those injuries and legal representation of subsequent lawsuits up to your coverage amount. Due to the increased number of lawsuits and amount of judgments, it is very important to have ample coverage to minimize your personal exposure.

Property Damage Liability (State requirement)
This coverage works in the same way as the Bodily Injury coverage does in that it protects you from any damage you may have caused to another party's property. This may include another individual's car, light posts, and other physical property that might have been damaged in an accident that you were found to be at fault for.

Uninsured & Underinsured Motorist Bodily Injury Coverage (UIMBI)
Uninsured and Underinsured Motorist Bodily Injury coverage is a very important coverage to have. In the event that another motorist who is uninsured or doesn't have ample coverage seriously injures you, you may be left with the immediate need to seek medical assistance and possible long-term recuperation. This coverage will take care of those expenses, up to your coverage amount, in the event that the guilty party is financially unable to.

Uninsured & Underinsured Motorist Property Damage Coverage
(UIMPD)

This coverage does the same thing as UIMBI with the difference that it applies to your vehicle. This coverage also protects you against hit and runs with a small deductible.

Personal Injury Protection (PIP)
There are two levels of this protection; one for $10,000 and the other for $35,000. This coverage first and foremost compensates you for medical costs incurred in an accident. A nice additional feature to this coverage is that it provides payments of lost wages and an allowance for services such as mowing the lawn in the event that you are unable to do them yourself.

Collision
This coverage protects your car in the event that you collide with another vehicle or object. With this coverage, you decide on a deductible which is the portion you will be responsible for in repairing or replacing your vehicle.

Comprehensive
Comprehensive coverage can be summed up as any damage to your vehicle that was not considered a collision loss. For example, losses as a result of fire, theft or storm damage would be covered. You choose a deducible amount for this coverage as well.

Other Coverage Available
Towing
Loss of Use expenses (rental car coverage)
Glass Buyback plan (lowers deductibles for windshield replacement and fixes small stars for free)
Stereo Coverage
Umbrella coverage (increases liability limits on all covered policies from $1 - $5 million).

What to do in case of accident

  1. Try to compose yourself (stay calm), turn on hazards
  2. Call 911 and request an ambulance if there are any injuries
  3. It is so important that we will mention it again, call 911. It is very important that you get a police record and that all the information is accurate pertaining to the other drivers insurance information and it can also be helpful to jot down the other parties license plate number.
  4. Exchange information with the other party and document where, when, and how the accident occurred
  5. Document any witness information
  6. Take pictures of the other party's drivers license, the driver's ID card, and damage inflicted on vehicles and the location
  7. Report the accident to us or your insurance company directly
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  • Home
    • Privacy Policy
  • English
    • Auto Insurance >
      • Auto Claim
    • Home Insurance
    • Life Insurance
  • 日本語
    • 自動車保険 >
      • 自動車事故
    • 住まいの保険 >
      • 住まいでの事故
    • 生命・年金・学資
    • 商業用保険
    • 旅行・デンタル
    • Youtube チャンネル
    • カスタマーサービス
  • 会社情報
    • スタッフ紹介
    • お客様の声
    • お客様の声アンケート
    • よくある質問
    • 採用情報
  • About Us
    • Staff
    • Employment
  • Insurance110
  • Contact Us
  • Masako's Challenge
    • Mask Challenge!!!
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