汽车保险

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田纳西中部地区的汽车和卡车保险, 包括纳什维尔, TN及周边县.

Your vehicle can be a fairly costly investment—one that is exposed to many potential losses that are out of your control. We’ll make sure you have the protection you need at a price you can afford.

A car or truck is often your biggest asset aside from your home. 汽车 insurance protects against potentially crippling financial losses and the sheer inconvenience of being without transportation.

记住,不是所有的汽车保险都是一样的. Some auto insurance policies simply meet the legal requirements. In most states this means your auto insurance will cover the damage you cause to other cars in collisions.

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哪种保险方案适合你的家庭?

Explore how having the right insurance can protect you from the unexpected.

汽车
人身伤害责任保险
风险因素

开车时很容易分心. 它所需要的只是一条传入的短信, 一个挑剔的婴儿, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. 作为该车辆的车主/营运者, you may be held financially responsible for any bodily injuries caused as a result of the accident.

解决方案

Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, 你所选择的责任限额. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.

财产损失保险
风险因素

当卷入一场车祸时, you and your family may be financially responsible for any damage caused by your vehicle to someone else’s property. 通常这意味着损坏别人的车, 但它可以是任何被你的车损坏的财产.

解决方案

The property damage portion of your auto insurance policy protects you if your car damages someone else’s property, 比如另一辆车, 一个栅栏, 或建筑. 在某些情况下, 您可以选择您的保险范围, or it may be a standard amount dictated by the insurer or local laws.

支付医疗保险
风险因素

Depending on the severity of the injuries suffered in an automobile accident, 不管是你还是其他车辆造成的, it’s not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health care plan.

解决方案

Medical payments coverage can help cover all reasonable medical expenses and funeral expenses of covered drivers and passengers after an accident, 不管错. In most states, it's an optional addition to your car insurance policy.

未投保/保险不足的司机损害保险
风险因素

What happens when the driver who hit you doesn't have enough liability coverage? 或者,更糟糕的是,他们离开了? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.

解决方案

Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, 肇事逃逸司机, 汽车保险公司破产的司机, or a driver who has not purchased enough coverage to pay for damages.

物理伤害的报道
风险因素

Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, 盗窃, 以及其他你无法控制的情况.

解决方案

Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. 如果你的车是全额支付,这个保险是可选的, but it is coverage you should consider if you want to fully protect your vehicle.

租赁保险/丧失使用
风险因素

When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.

解决方案

Rental coverage/ loss of use is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. 这种覆盖范围有多种每日限量.

However, the car insurance in some ‘no fault’ states will also cover your own car or truck. 另外, the law usually states that auto insurance policies must cover some medical bills that result from a car crash.

其他 auto insurance policies go further and protect your car or truck if it is stolen, 被火损坏或烧毁, or damaged in a car accident that doesn’t involve any other vehicles. You can also get policies that protect your car if it is damaged by an uninsured driver.

Talk with us and ensure you have the proper car insurance coverage in place with the right insurance company. 其他wise, you’re putting yourself, your family and others at risk.

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