Individual Auto Insurance
Automobile, Boat,
Motorcycle, Travel Trailer, Motor Home and Recreational
Vehicle Providers
| Progressive
|
Pacific Specialty
Insurance Company
(PSIC)
The flagship of the McGraw
Group of Affiliated Companies is recognized as
an industry leader in motorcycle and personal
watercraft coverage. PSIC also offers
homeowners, dwelling fire, umbrella and personal
liability products.
Call us or go
here
for a quote today. |
GMAC
Call us or go
here
for a quote today.
|
Helpful Tidbits
To explain a little about what some of the numbers
mean on the
quote,
please see below:
1) Liability - Bodily Injury/Property Damage
- 25K/50K/25K
- up to 25K = Bodily Injury per person (to a 3rd
party)
- up to 50K = up to
- up to 25K = Property Damage (to a 3rd party)
If leasing a car, finance companies can require a
higher limit of up to 100K/300K/100K
2) Comprehensive
- Theft, vandalism, hail, fire, animals, etc.
- 500 – most common deductible
- Comprehensive is not recommended if car is
valued under $1,000
- Comprehensive coverage is required by finance
companies
3) Collision
- Anything hitting your car physically
- Even an insured motorists, collision will pay to
fix your car but not for bodily Injury
- 500 – most common deductible
- Collision is not recommended if car is valued
under $1000
Comprehensive and Collision are always sold together.
Some carriers, like Progressive, require the deductible
amounts to be the same.
4) Discounts Available
- Marriage
- Military
- Multi-car
- Homeowner
- Proof of Prior Insurance
- Automatic Bank Draft
- Paying in Full
- Multi-policy
5) Uninsured Motorists/Underinsured Motorist
- Protects the insured and their covered vehicle
if hit by either an uninsured or a underinsured
motorist – property damage and bodily injury
- 250 deductible applies to property damage
6) Personal Injury Protection (PIP)
Covers everyone in vehicle regardless of fault or
insured if outside of vehicle and struck by car as a
pedestrian & pays up to policy limit for medical and
loss time at work. Limits range from $2,500 to $10,000.
7) Rental
- Covers up to $30 per day ($900 max)
- Covers up to $40 per day ($1,200 max)
- Not available for travel or because your car has
mechanical problems
8) Towing & Labor/Roadside
- Different carriers have different limits per
occurrence.
- $75 to $120 is typical
Hope all this info
helps.
We look forward to working on this with you!
Note: This is intended
only as a general guide. Please see your policy for any
changes or specific information on your policy.
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