To avail a sound financial plan, you need a good auto insurance policy. If you own a vehicle, it is extremely important that you insure it with the right auto insurance provider. Number of vehicle-related accidents is rising every year and it is quite obvious that why you need such insurance plans. Such insurance plans can help you to avail protection coverage against any unsolicited damage or loss.

Laurenceau Insurance provides one of the best auto insurance policies that offer perfect financial security and ultimate peace of mind. Moreover, the auto insurance policies at Laurenceau Insurance are also quite affordable so that it can be availed by wider section of the auto owners.

What is a Deductible?

A deductible is the part of a covered loss that you have agreed to pay with your own money. If you file a claim against your insurance, you will pay only the amount of the deductible. JSF will pay the rest - up to your coverage limit. When choosing a deductible, you must decide how much you would be willing to pay out-of-pocket if you ever had to file a claim. Typically, higher deductibles mean lower premiums.

Who Does My Auto Insurance Policy Cover?

An auto insurance policy typically covers:

• You and your spouse
• Relatives who live in your home
• Other licensed drivers who have permission to drive your licensed vehicle

Types of Auto Insurance Coverage

An Auto insurance policy generally consists of several kinds of coverage.

Because all 50 states have different laws when it comes to Auto Insurance, the following coverage descriptions are simply general information. They are not statements of contract. To learn more about Auto Insurance in your state, please contact your JSF agent.

Most Common Coverages:

Liability

Auto liability coverage pays for the damage if you are legally responsible for accidentaly injuring someone, or for damaging another vehicle or other property in an auto accident. Auto liability falls into two categories:

1. Bodily Injury Liability - which covers medical expenses, pain and suffering, lost wages, and other special damages
2. Property Damage Liability - which covers damaged property, and may include loss of use

Liability coverage also pays legel defense and court costs.

State laws usually dictate the minimum amounts of insurance required, but higher amounts are available.

Personal Injury Protection (PIP)

This coverage pays the reasonable and necessary medical expenses for covered persons for treatment due to an auto accident. It may also pay for:

• Rehabilitation
• Lost earnings
• Replacement of services (For example, child care if the parent is disabled)
• Funeral expenses

Medical Payments

This coverage is available in most states. It pays medical and funeral expenses for covered persons when those expenses are related to an auto accident.

Collisions

This coverage helps pay for damage to an insured vehicle caused by:

• Collision with another vehicle
• Collision with an object
• A vehicle rollover

A deductible is required.

Comprehensive

This coverage helps pay for loss of or damage to an insured vehicle not caused by a collision or rollover. Examples of this type of damage or loss include:

• Fire
• Wind
• Hail
• Flood
• Vandalism
• Theft
• Hitting an animal

A deductible may apply.

Uninsured Motorist

This coverage pays for damages when a covered person is injured in an auto accident caused by a driver who does not have Liability Insurance. In some states, this coverage may also pay for property damage. This coverage varies by state and depends upon policy provisions.

Underinsured Motorist

This coverage pays for damages when a covered person is injured in an auto accident caused by another driver who has insufficient Liability Insurance. Application of this coverage varies by state and depends upon policy provisions.

Rental Reimbursement

This coverage pays for renting a car when your auto is disabled due to an auto accident. Daily allowances or limits vary by state or policy provision.

Emergency Road Service

This coverage pays for having your auto towed due to a breakdown. Towing limits vary by state or policy provisions.

What is a Deductible?

A deductible is the part of a covered loss that you have agreed to pay with your own money. If you file a claim against your insurance, you will pay only the amount of the deductible. JSF will pay the rest - up to your coverage limit. When choosing a deductible, you must decide how much you would be willing to pay out-of-pocket if you ever had to file a claim. Typically, higher deductibles mean lower premiums.

Who Does My Auto Insurance Policy Cover?

An auto insurance policy typically covers:

• You and your spouse
• Relatives who live in your home
• Other licensed drivers who have permission to drive your licensed vehicle

Types of Auto Insurance Coverage

An Auto insurance policy generally consists of several kinds of coverage.

Because all 50 states have different laws when it comes to Auto Insurance, the following coverage descriptions are simply general information. They are not statements of contract. To learn more about Auto Insurance in your state, please contact your JSF agent.

Most Common Coverages:

Liability

Auto liability coverage pays for the damage if you are legally responsible for accidentaly injuring someone, or for damaging another vehicle or other property in an auto accident. Auto liability falls into two categories:

1. Bodily Injury Liability - which covers medical expenses, pain and suffering, lost wages, and other special damages
2. Property Damage Liability - which covers damaged property, and may include loss of use

Liability coverage also pays legel defense and court costs.

State laws usually dictate the minimum amounts of insurance required, but higher amounts are available.

Personal Injury Protection (PIP)

This coverage pays the reasonable and necessary medical expenses for covered persons for treatment due to an auto accident. It may also pay for:

• Rehabilitation
• Lost earnings
• Replacement of services (For example, child care if the parent is disabled)
• Funeral expenses

Medical Payments

This coverage is available in most states. It pays medical and funeral expenses for covered persons when those expenses are related to an auto accident.

Collisions

This coverage helps pay for damage to an insured vehicle caused by:

• Collision with another vehicle
• Collision with an object
• A vehicle rollover

A deductible is required.

Comprehensive

This coverage helps pay for loss of or damage to an insured vehicle not caused by a collision or rollover. Examples of this type of damage or loss include:

• Fire
• Wind
• Hail
• Flood
• Vandalism
• Theft
• Hitting an animal

A deductible may apply.

Uninsured Motorist

This coverage pays for damages when a covered person is injured in an auto accident caused by a driver who does not have Liability Insurance. In some states, this coverage may also pay for property damage. This coverage varies by state and depends upon policy provisions.

Underinsured Motorist

This coverage pays for damages when a covered person is injured in an auto accident caused by another driver who has insufficient Liability Insurance. Application of this coverage varies by state and depends upon policy provisions.

Rental Reimbursement

This coverage pays for renting a car when your auto is disabled due to an auto accident. Daily allowances or limits vary by state or policy provision.

Emergency Road Service

This coverage pays for having your auto towed due to a breakdown. Towing limits vary by state or policy provisions.

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