Important Auto Insurance Terms

free444An Auto Insurance Review

This state requires everyone who owns a vehicle to have personal auto liability insurance.  Auto insurance comes in many different shapes and sizes. There are many different terms and coverage’s you need to understand if you are going to protect you and your family.  As you consider the many different kinds of coverage, we can help you find the right combination of price, coverage, and service.

Bodily Injury Liability

This coverage pays for costs or claims associated with bodily injuries to the other persons (third parties) or people involved in the accident. This coverage also provides defense coverage in the event that you are sued for damages.  We always recommend having higher than the minimum limits. If a claim exceeds your own policy limit, you will be responsible for all costs.

 Collision Coverage For Your Vehicle

Collision and comprehensive is often referred to as ‘full coverage.’ If you have collision coverage, and are in an accident or hit with another vehicle or property, you will have coverage to repair or replace your vehicle after your deductible is satisfied.  Collision and comprehensive coverage are not required, but they may be required by your loan company or leasing company.

Roadside Assistance And Towing Coverage

Collision & comprehensive covers the vehicle when it is damaged. Emergency roadside assistance and towing coverage can be added to your personal auto policy in most cases. Coverage will help with gas fill-ups, battery jumps, tire changes, and towing. Make sure to check if you have necessary towing (up to 15 miles) or extended towing (up to 100 miles).

Rental Car Reimbursement

When your vehicle is in the repair shop after a covered accident, your policy will provide you a rental car (if you have purchased the coverage) while your own car is getting repaired. You will need to have purchased comprehensive and collision on your policy in order to add rental car coverage. Coverage is subject to limitations.

This is intended to be a brief review of auto insurance. Your actual coverage will depend on your individual policy.

Amberg Insurance Center, Inc. was established in 1974 to serve the growing insurance needs of the many businesses and individuals located in the Charlotte and surrounding counties. We take pride in the quality service provided to our customers, our community concern, and our commitment to the overall development of our employees.

Amberg Insurance has been voted BEST INSURANCE AGENCY and BEST AGENT by the residents of Charlotte County and Harbor’s Hottest Insurance Agency by Harbor Style Magazine.



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