Auto Insurance

Coverages

BODILY INJURY AND PROPERTY DAMAGE
In the event of an accident, this coverage pays for injuries to other people and damage to their property for which you are liable, whether you, a qualified family member or another person is the driver.

MEDICAL COVERAGE (Optional)
Pays for medical expenses for you and other people injured in your car regardless of fault.

UNINSURED MOTORIST (Optional)
Pays for bodily injuries if you and your passengers have been injured by an uninsured motorist or a hit-and-run driver, if that driver is liable.

COMPREHENSIVE
Pays for damage to your car except when it is caused by collision or upset. Includes damages caused by fire, explosion, vandalism, earthquake, falling objects, animals and theft.
If your vehicle is stolen, this policy pays up to $15 a day until the claim is settled, starting after the third day and with complete claims documents submitted.

COLLISION
Pays for damage to your vehicle caused by collision with any object or by upset. Pays up to the actual cash value of your vehicle less your deductible.

RENTAL REIMBURSEMENT (Optional)
You are reimbursed $30 a day for 30 days or a maximum of $900 a year for rental vehicles provided you have full Comprehensive and Collision coverage.

TYPHOON COVERAGE (Optional)
Covers your vehicle against damage caused by typhoons.

ROADSIDE SERVICE & TOWING
Offers discounted towing 24 hours a day in the event your vehicle is inoperable or immobilized. Also assists and provides FREE lockout service, flat tire change, battery jump start, transportation service and free delivery of emergency fuel.

TRAILERS
Protects you against liability claims while you are towing a trailer designed for use with a private passenger car.

What To Do At The Scene Of An Accident…

1. Contact the police (and an ambulance if necessary).
2. Do not move your vehicle.
3. Wait for the police to arrive. Never leave the scene of the accident under any circumstances!
4. Try to remain calm and cordial with the other parties involved in the accident.
5. Unless there is no doubt, do not make statements admitting that the accident was your fault. If there are questions as to who is at fault, our professional claims adjusters will assist you.
6. When a police officer arrives, make sure to record the officer's name, badge number and the case number.
7. Do not make any private deals for damages (such as offering or accepting payments in cash or check).
8. Notify our claims office about the accident as soon as possible.

Important Tips:

• Always remain calm, courteous and consistent.
• Fill out a complete accident report on the scene.
• Record the other driver's name, phone number and insurance information.
• Record your accident case number and the police officer's name and badge number.
• Obtain the names and phone numbers of witnesses.
• Keep a disposable camera in the car so you can document damages and other details.
• Do not administer first aid unless you are licensed to do so.