- Bodily Injury Coverage
-Pays claims in the event you are responsible for an accident in which someone is injured
- Property Damage Coverage
-Pays claims for damage your vehicle causes to someone else's property, such as someone's car, mailbox, or a fence
- Comprehensive and Collision Coverage
-Pays to repair or replace your auto if it is stolen or damaged in an accident, regardless of who is at fault. For each coverage, you select a deductible that you pay out of pocket. Your insurance company pays for the remaining damage up to the limits you select.
- Collision coverage
Your insurance company pays for damage to your auto when you collide with another vehicle or object. If you hit a car, a pole or another nonliving object.
- Comprehensive Coverage
Your insurance company pays for damage to your auto caused by an event other than a collision, such as fire, theft or vandalism. If you hit an animal, or if your auto is flooded or stolen.
- Uninsured/Underinsured Motorist Coverage
Applies when the person at fault for an accident does not have insurance or has inadequate limits. Uninsured motorist bodily injury will cover injuries and damages you incur that the at-fault party is legally liable for, such as medical treatment and lost wages up to the limits you select.
If your injury expenses exceed the “at-fault” party's liability limits, you can use underinsured motorist bodily injury coverage to pay for the amount not covered by the at-fault person's insurance. Similar to uninsured motorist coverage, underinsured motorist coverage is designed to cover the gap between the other person's liability limits and the cost of your injury expenses, up to the underinsured motorist limits you select.
- Medical Payments (MedPay) Coverage
Pays the cost of necessary medical care you receive as a result of an auto accident and can be used regardless of who is at fault. MedPay often is limited to medical treatment received within the first three years after an accident and is limited to a specific dollar amount. In some states, MedPay only applies after other medical insurance is exhausted.
Before Your Consultation
Bessette Insurance knows that even the most careful drivers can cause an accident. They don't even have to be 100% at fault to be financially liable for injuries and property damage. Stop by our location in Portsmouth for a free quote. You may also call us at (401) 683-0177 to schedule a consultation with one of our expert agents.
Checklist for an Auto Insurance Quote
- Year, make and VIN #s on all autos
- Full birthday – month, day and year for all drivers
- Use – Pleasure use 3 to 10/over 10/business
- Any moving violations/at fault accidents in the past 3 years?
- Any serious offenses in the past five years?
Coverage Plan Needs
- Limits of liability
- Lower 25/50/25
- Medium 50/100/50
- Proper (higher) 100/300/100 or 300/300
- Deductibles 100, 250, 500
Questions to Consider
- Should your adult children have their own policies?
- Do you understand what an umbrella is?
- Do you know how to set up a proof of indemnity file regarding not at fault accidents?
Our agency can assist you in selecting coverage's when it comes to insuring your ATV's or Dirt Bikes.