Kay Pacey Insurance Services, Inc. has Good Insurance at Better Prices


Good Insurance at Better Prices
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What to Keep in Mind When Shopping for Automobile Insurance

Types of Coverage Pays For Covers Required
Liability
Bodily Injury
Property Damage
Your responsibility to pay medical, death and hospital expenses including cost of repairs to other party's vehicle or property The insured's legal liability for bodily injury and property damage arising from ownership or use of the insured vehicle  Yes, by California Department of Motor Vehicle code
Uninsured/Underinsured
Motorist Bodily Injury
Provides coverage for a policyholder involved in a collision with a driver who does not have liability insurance or who does not have sufficient liability limits to pay for damages The other party's legal liability to you for bodily injusry arising from the negligent operation of their uninsured vehicle No, but every automobile insurance company must offer uninsured motorist coverage, and they are required to have a signed waiver on file if the coverage is rejected
Unisured Motorist
Property Damage
Cost or repairs to your vehicle not coverage by collision insurance, subject to a limit of $3,500. UMPD coverage pays for the property damage to your car when there is a collision with an identified uninsured driver. The other party's legal liability to you for property damage arising from the negligent operation of their uninsured vehicle No, but every automobile insurance company must offer uninsured motorist coverage, and they are required to have a signed waiver on file if the coverage is rejected
Medical Payments Medical expense incurred without question of legal liability All the occupants of your vehicle No
Comprehensive Cost of repairs or the fair market value of the vehicle The insured vehicle subject to the deductible Yes, by lenders and leasing companies
Collision Cost of repairs or the fair market value of the vehicle The insured vehicle subject to the deductible Yes, by lenders and leasing companies
Rental Reimbursement
Daily Limit and number of days subject to policy terms
Cost of rental car while your vehicle is being repaired under coverage afforded by the policy Named insured No
Towing Reasonable and necessary towing and labor cost subject to policy terms Named insured No

Disclaimer

This information is for informational purposes only.
The actual terms of an insurance policy and related law prevail over the information provided herein.
In the case of a dispute, the insurance policy is controlling and a court of law will rely on the policy as it is written to resolve the dispute.
The policy is the only document that describes what the insurance company will pay.
The information contained herein does not create rights or obligations on the part of the insured, the insurer, the agent, the broker, or the state.
This information is not intended to be a substitute for the actual insurance policy.

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