Choosing the proper coverage and limits is essential on all insurance - but in order to do so, it’s important to understand what the coverage provides. Following are the types of coverage that you will find on an Auto policy:

Bodily Injury and Property Damage Liability

• Liability coverage insures you if your car causes injury to the other party and/or to another person’s property.
• It is most important to purchase an adequate limit to protect yourself from a financial disaster in the event that you are involved in a serious at-fault accident where the other party has sustained serious injuries.

• Protects you in the event that you or a passenger in your vehicle is injured in a not-at-fault accident, where the responsible party is either uninsured OR doesn’t have adequate limits for the loss.
• Recommend that your Uninsured/Underinsured Motorists limit match the limits that you have for Bodily Injury.

• Covers the medical expenses, related to an injury resulting from an accident for you and your passengers. This coverage is paid regardless of who was at fault for the accident.

• Covers Damages to your car other than collision, such as Theft, Vandalism, Weather and Fire.
• Coverage typically has a deductible, and will pay up to the Actual Cash Value of the car.

• Covers Damages to your car caused by a collision, whether or not the accident was your fault.
• Coverage typically has a deductible and will pay up to the Actual Cash Value of the car.

• Pays for a rental car in the event of a covered claim. Coverage does have a daily limit and also a maximum limit.

• Provides coverage for service calls or towing expense subject to your policy limit, if your car breaks down.
• Does not pay for the vehicle repairs.

As an added benefit of your 1st Nor Cal membership, we at Lou Aggetta Insurance will help you review the things that are important to you and provide you with options for reducing risk in your life. If you decide to buy an Auto policy you will receive a $25 Gift Card. If you purchase both Auto and Home you will receive a $50 Gift Card.⁴ We are an independent insurance agent and can provide you with home, auto, life, health, business, and many other types of insurance coverage.