Theresa Richards

What's your idea of financial security?

 
 
Theresa Richards
618-526-1100
Breese, IL
 
Tuesday, October 21, 2014

3 Questions to Help You Select the Right Auto Coverage

When you buy auto insurance from COUNTRY, I’ll be there for you every step of the way.

I’ll help you create your policy, review your coverage with you on a regular basis, and help you through the claims process if you ever have a loss.

Having the right auto insurance is important. Otherwise, a car accident could impact you financially for many years to come.

  1. Do you have enough liability coverage if you have an accident and someone in another car is injured?
  2. Will your auto coverage pay for a brand new vehicle if your newer car is totaled in an accident?
  3. Are you covered for a rental vehicle if your car is in for repairs from an accident?

It may be tempting to get a bargain-basement quote from an online auto insurance company. But buying a “one-size-fits-all” policy – without sitting down with a qualified professional – is taking a big risk.

It’s far better to work with someone who lives in your community. I’ll listen to your needs and ask questions. And I’ll help you determine the coverage options best suited for your specific situation and budget.

Coverage options available from COUNTRY:

The Keeper

  • 100 percent repair/replacement coverage helps protect your newer vehicle for up to three model years.1 Coverage varies by state.

Comprehensive

  • Coverage for your vehicle if stolen or accidentally damaged by any cause that is not specifically excluded. It does not cover collision.
  • Coverage also provides up to $40 per day (with a specified total limit) for a rental car if your car is stolen -- beginning 48 hours after you report an auto theft to us and the police.

Collision

  • Coverage for your vehicle if you overturn or hit another vehicle or object.

Liability

  • Bodily Injury Liability

    • Helps protect you against financial loss because of injury you may cause to someone else.
    • Available up to $500,000 per person and $1 million per occurrence.

  • Property Damage Liability

    • Helps protect you against financial loss because of damage you may cause to the property of others (that you are liable for).
    • Available up to $500,000.

Medical Payments

  • Coverage for medical bills you or the occupants of your vehicle incur within two years of a covered auto accident as a result of injury caused by the accident, regardless of who is at fault.
  • Up to $100,000 in coverage per person is available.
  • Coverage varies by state and is optional in some states.

Uninsured Motorist Coverage

  • Coverage if you or someone in your car is injured or killed in an auto accident when the other driver is at fault and does not have insurance.
  • In some cases it pays when the at-fault driver can’t be identified.
  • Coverage for bodily injuries – not damage to your vehicle.
  • Coverage is available up to bodily injury liability limits and may vary in some states. Not required in all states.

Underinsured Motorists

  • Coverage if you or someone in your car is injured or killed in an auto accident when the other driver is at fault and does not have enough insurance.
  • Coverage is available up to bodily injury liability limits and may vary in some states. Not required in all states.

Emergency Road Service

  • If you’re ever stranded, help is just a toll-free phone call away, 24 hours a day, anywhere in the 50 states and Canada.
  • It reimburses you up to $100 total for towing, delivery of motor fuel and repair parts, and labor when your car breaks down.
  • Coverage varies by state. Some vehicle types are excluded.

Safety Glass Coverage

  • Waives your comprehensive deductible for the cost of repairing or replacing “Safety Glass” (such as glass in windshields, windows, or plastic or other material that functions as glass in lights) if you have a claim under your comprehensive coverage.

Vehicle Rental/Trip Interruption Coverage

  • Provides reimbursement of up to $800 for expenses that include vehicle rental, transportation, lodging and meals.
  • Dollar limit varies by state.

I’ll help you get from where you are today to where you want to be in the future. To help you determine the auto coverage that meets your needs and budget, contact me today to set up a meeting.

Learn more

For product and service information, read our full disclaimer.

1 Not applicable in Arizona. The Keeper is only eligible to be added to vehicles with current model year or two prior model years.