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We want you to know all the help that this insurance gives you because not all of them are the same. Thus, our agents will be at your complete disposal 24/7, to provide you with the most complete service with all the necessary information. With All Insurance USA, you can decide what are the best options and the best rates for the coverage of damages in case of car theft, accident, collision damage, damage to third parties, vehicles or property.
What are the coverages?
Bodily injury liability provides protection if you injure or kill someone while operating your car. It also provides for a legal defense if another party in the accident files a lawsuit against you.
In the event of a serious accident, you want enough insurance to cover a judgment against you in a lawsuit, without jeopardizing your personal assets.
Bodily injury liability covers injury to people, not your vehicle. Therefore, it's a good idea to have the same level of coverage for all of your cars.
Medical payments, no-fault or personal injury protection coverage usually pays for the medical expenses of the injured driver and passengers in your car. There may also be coverage if you are injured by a vehicle as a pedestrian.
Uninsured motorists coverage pays for your injuries caused by an uninsured driver or, in some states, a hit-and-run driver. In some states, there is also uninsured motorist coverage for damage to your vehicle.
Given the large number of uninsured motorists, this is very important coverage to have, even in states with no-fault insurance.
Comprehensive physical damage coverage pays for losses resulting from incidents other than collision. For example, comprehensive insurance covers damage to your car if it is stolen; or damaged by flood, fire or animals. To keep your premiums low, select as high a deductible as you feel comfortable paying out of pocket.
Collision coverage pays for damage to your car when your car hits, or is hit by, another vehicle or other object.
To keep your premiums low, select as large a deductible as you feel comfortable paying out of pocket. For older cars, consider dropping this coverage, since coverage is normally limited to the cash value of your car.
Property damage liability protects you if your car damages someone else's property. It also provides you with legal defense if another party files a lawsuit against you. It is a good idea to purchase enough of this insurance to cover the amount of damage your car might do to another vehicle or object.
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