Auto Insurance

• Bodily Injury Liability If you’re responsible for an accident, pays damages for other’s injuries
• Property Damage Liability. If you’re responsible for an accident, pays for damages to other people’s property
• Medical Payments. If you’re hurt in an accident, or even injured as a pedestrian, pays medical expenses
• Personal Injury Protection covers you and your passenger’ injuries. (Personal Injury Protection may be known by other terms in states other than New York)
• Uninsured or Underinsured Motorist. Covers bodily injury to you when caused by an accident, and the person who is legally responsible either has inadequate or no insurance
• Collision Coverage. Pay for damage to your car when it hits or is hit by another car or object
• Comprehensive Coverage. Pays for Damage to your car result fro theft, fire vandalism, hail, animal contact or other covered causes

Extra Options

• Extended Transportation Expenses. Coverage to help pay rental car costs when your car is disabled as a result of a covered auto accident or loss
• Towing and Labor Costs. Provides coverage if your car needs towing or roadside assistance
• Repair or Replacement Collision Coverage. If you total your new car, pays for the cost to repair or replace it with a similar model, whichever is less
• Deductible options. A higher deductible could lower your premium
• Agreed Value Auto. Locks in the value of your auto. Adjusted annually
• Premiums vary among companies depending on the following:
  • Credit Score Models. Your credit score is one of the most important components that determine the premium today. Every insurance company’s credit score model is different. As a result, premiums vary from company to company
  • Where you live
  • Age of Driver
  • Use of car
  • Safety features in the car
  • Age, make, model of vehicles insured
  • Courses (Driver Training, Defensive Driver, Good Student)

Contact JoAnne Murray at JMurray@allanblockinsurance.com for more information.