Category: 
March 5, 2010Bodily Injury Liability $50,000/100,000
Property Damage $50,000
Uninsured Motorist Bodily Injury $15,000/30,000
Uninsured Motorist Property Damage or
Collision Deductible Waiver
Included
Medical Expenses No Coverage ************* very scars me how come i am not covered******
Comprehensive Deductible $500
Collision Deductible $500
Rental Car Benefit No Coverage
Towing and Labor No Coverage
Gap Coverage or Loan/Lease Payoff Coverage Not Included
Repair or Replacement Cost Coverage Not Included ************ how about this********
Special Equipment Coverage Not Included
Lienholder/Additional Insured
No medical is a big risk in my opinion. For Bodily Injury Liability I have half a mil myself, it isn’t that much more expensive with the right people.
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Horaayy..there are 2 comment(s) for me so far ;)
Your BI coverage is higher than the minimum requirement, but not high enough if you have assets such as owning a home. Same with your property damage.
Your UIM coverage is only providing you with the bare minimum in medical coverage. The UIM property damage usually caps out at $3500 for your property (car).
Your Medical Expenses coverage is zero, meaning if you were involved in an accident, no one in your vehicle would receive compensation for their injuries from your insurance. You would really only need this if you frequently have people in your car that aren’t covered by your health insurance. It’s recommended if you do have health insurance, to carry enough Medical Expense coverage to pay your deductible/co-pays.
Comp/Coll deductibles are average, but ask yourself if you can afford to be out-of-pocket $500 to repair your car if you’re in an accident or your vehicle is stolen/vandalized/etc.
You will have to pay for your own rental car if your vehicle is damaged. Same with towing.
Gap coverage means if you’re financing your vehicle and it’s totaled, but the worth of the vehicle is less than the amount you owe, you’re going to owe the difference since you don’t have gap insurance.
Repair/Replacement cost…if anything mechanically goes wrong with the vehicle, you’re responsible for the cost.
References :
I work for an auto insurance company.
No medical is a big risk in my opinion. For Bodily Injury Liability I have half a mil myself, it isn’t that much more expensive with the right people.
References :
my-head