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Muchas veces un auto o una camioneta es el bien más grande que posee aparte de su hogar. Los seguros de automóvil protegen contra las pérdidas financieras que potencialmente podrían quebrarle, y la pura inconveniencia de quedarse sin transporte.
Recuerde, no todos los seguros son iguales. Algunas pólizas simplemente cumplen los requisitos legales. En la mayoría de los estados esto quiere decir que su seguro cubrirá el daño que usted cause a otros autos en un choque. Sin embargo, los seguros de auto en algunos estados con seguro ‘sin culpa’ (‘no fault’) también cubrirán su propio auto o camioneta. Además, la ley normalmente dice que las pólizas de seguro de auto tienen que cubrir algunos gastos médicos que resulten de un choque de auto.
Otras pólizas de seguro de auto protegen contra más situaciones, incluso un robo de un auto o una camioneta, daño o destrucción por fuego o daño de un choque sin otros vehículos. Usted también puede conseguir pólizas que protegen su auto si un conductor sin seguro le hace daño. Hable con nosotros y asegúrese de que usted tiene la cobertura suficiente para su auto con la compañía de seguros que convenga. Si no, usted se expone a sí mismo/a, a su familia y a los demás.
¿Cómo le pueden proteger los seguros de auto?
Usar los puntos amarillos para explorar como los seguros de auto pueden proteger contra riesgos comunes.
Bodily Injury Liability Coverage
Risk Factor
It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.
Solution
Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.
Property Damage Coverage
Risk Factor
When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else's property. The amount required, if any, can vary by state.
Solution
The property damage portion of your auto insurance policy protects you if your car damages someone else's property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.
Medical Payments Coverage and Personal Injury Protection
Risk Factor
Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it's not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health plan.
Solution
Medical payments coverage or Personal Injury Protection, depending on where you live, can help cover some medical expenses and funeral expenses of covered drivers and passengers after an accident. The exact requirements, limits, and coverage can vary by state, so it's important to understand what's required where you live.
Uninsured / Underinsured Motorist Damage Coverage
Risk Factor
What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.
Solution
Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.
Physical Damage Coverage
Risk Factor
Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.
Solution
Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.
Rental Coverage / Loss of Use
Risk Factor
When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.
Solution
Rental coverage/ loss of use is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.
Conseguir un presupuesto de seguro de auto instante.
Rellenar un formulario breve y conseguir un presupuesto instante que usted no sólo se puede permitir, pero que también le dé un sentimiento de seguridad y tranquilidad.
Instant Quote
Discutamos su seguro de auto.
Uno de nuestros consejeros de seguro se comunicará con usted para repasar su información y presentarle la solución apropiada para su seguro de auto o camioneta. No hay obligación, solamente consejos.
AIS Insurance Group ofrece seguros de automóvil completos en el sur de Nueva Jersey, el norte de Maryland y en las siguientes comunidades de Pensilvania: Malvern, West Chester, Exton, Phoenixville, Newtown Square, Wayne, Chester Springs, Glen Mills, King of Prussia, Downingtown, Broomall, Bryn Mawr, Norristown, Collegeville, Conshohocken, Havertown, Lansdale, Plymouth Meeting, Drexel Hill, Pottstown, Kennett Square, Coatesville, Philadelphia, Lancaster, además de Wilmington, Delaware.
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