Automobile Insurance

Automobile insurance cannot prevent automobile accidents from happening, but it can help offset some of the financial loss or burden that might result from the accident. This does not mean that all possible expenses will be covered by an Insurance Company, but a huge amount will. Limits of insurance apply to Insurance Coverages, and each Insurance pPolicy has Exclusion and Limitations. Nonetheless, Auto Insurance is designed to reduce may of the financial losses that could otherwise result from owning, or operating an automobile. Without Insurance a person would have to bear the entire cost when accidental injuries or damages occur.

LIABILITY

Liability Insurance becomes an issue when automobile drivers cause Bodily Injury to another person, or damage to another person's property.

Liability coverage applies only when you are legally liable for injury or damage. The fact that injury or damage has occurred does not necessarily mean that a person is legally liable. Injury or damage suffered by a driver who causes the accident is not a matter of legal liability. Being liable means that you are legally responsible for damages suffered by a third party (someone other than the driver of the owned vehicle). If a driver who causes injury or damages suffered by another person can be shown to be at fault, that driver may be held liable for the accident.

MEDICAL PAYMENTS

Medical Payments coverage pays reasonable medical expense incurred by the insured driver, members of the insureds family, and passengers in the insureds car for Bodily Injuries sustained while riding in an insured automobile. Coverage also applies to the insured and family members while riding in another automobile. The Medical Payments coverage allows immediate payment to the insured, or other persons regardless of fault.

UNINSURED MOTORISTS

Also called UM, is designed to protect an insured for Bodily Injuries when those injuries are caused by another driver who, either has no Liability Insurance, or has coverage which is less than the minimum requirements by state law. UM coverage also protects an insured for Bodily Injury when caused by a hit and run driver who cannot be identified. In most states, UM coverage does not cover Property Damage to the insured's vehicle.

COMPREHENSIVE AND COLLISION

Comprehensive - This is a broad category that includes many types of loss for damage caused, other than by collision. Based on the names of coverages, it might appear that when an insured purchases both collision and comprehensive that any possible situation would be covered. This is not true, because there are a few policy exclusions in every automobile policy.

Collision - This coverage refers to the direct, or accidental physical damage, to the insured's automobile as a result of overturning or impact with another vehicle or object.

Theodore Insurance Agency, Inc. 20335 Ventura Blvd. #425 Woodland Hills, CA 91364

Phone: 877-4-TIA-INFO (877-484-2463)
Fax: 877-FAX-4-TIA (877-329-4842)

email: theodore insurance agency

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