Auto Insurance
Do you have the right amount of Auto insurance? At the Drake Besheer Insurance Agency, we can personally review your coverage with you, help you identify any potential overlaps or gaps in coverage, and inform you of any discounts for which you may qualify. It's all part of the professional, personalized service offered by your agent, Drake Besheer.
Bodily Injury and Property Damage Liability
Personal Injury Protection or Medical Payments
Uninsured and Underinsured Motorist
Damage Other Than Collision
Collision
Towing and Labor Costs (Optional)
Rental Reimbursement (Optional)
Expenses
Death Indemnity (Optional)
Trailers
Policy Credits
Flexible Payment Plans
Bodily Injury and Property Damage Liability
This pays for bodily injuries to other people or damage to their property, if you are liable. It also pays whether your car is driven by you, a qualified family member, or other driver using your car with your permission.
In most cases, you are covered in a car you borrow or rent temporarily. This coverage pays up to the limits you select.
Personal Injury Protection or Medical Payments
Personal Injury Protection (PIP) pays up to the policy limit for medical
bills, lost income, household services replacement costs and funeral bills
resulting from an automobile accident. This covers you, your family, anyone
riding in your car, and anyone driving your car with your permission.
(Mandatory unless rejected in writing.)
Medical Payments Coverage pays doctor, hospital and surgical bills, up to the per person limit you select, for you or anyone riding in your covered auto.
If you do not face a threat of income loss, you may want Medical Payments Coverage instead of Personal Injury Protection.
Personal Injury Protection and Medical also covers you and qualified members of your family while in non-owned cars, and if hit by a motor vehicle while walking or riding a bicycle. Minimum limit is $25,000, with higher limits available for a small additional charge.
Uninsured and Underinsured Motorist
This coverage pays for bodily injuries or damage to your property, up
to the limit you select, to you, qualified family members and any other
person occupying your covered auto, caused by an uninsured motorist or
a hit-run drive, if that driver is liable. There is a $250 deductible
on property damage coverage.
It also pays for bodily injuries to you, qualified family members and any other person occupying your covered auto, caused by a motorist whose insurance is not adequate to pay for the injuries if that driver is liable. This coverage pays up to the limit you select, less the amount paid by the other party.
(Mandatory unless rejected in writing, either in its entirety or Property Damage only.)
This coverage pays for damage to your car except when it's caused by collision.
It includes damage from such causes as fire, vandalism, windstorm, sandstorm,
falling objects, animals, water or flood and theft.
This coverage pays you up to $20 a day, up to a $600 limit for each loss, for transportation costs if your car is stolen, (coverage begins 48 hours after the theft). It pays up to the actual cash value of your vehicle, less the deductible you select.
This covers accidental damage to your car by collision with any object.
Towing and Labor Costs (Optional)
This pays for reasonable towing and labor charges if your car breaks down.
The labor must be performed at the place where the car becomes disabled.
Available options include coverage up to $40, $80 or $120.
Rental Reimbursement (Optional)
This coverage pays up to $35 a day, up to a $1050 limit, for auto rental
charges while your car is being repaired for damage caused by an insured
loss, except theft. Reimbursement does not include mileage charges.
Pays expenses in a suit we defend on your behalf, such as court costs,
attorney fees, investigator fees, expense of witness fees.
Expenses coverage pays the premium on appeal bonds, bonds to release attachment, and cost of bail bonds up to $250.
Pays up to the limit you select for an auto accident, regardless of who's
at fault, for you and qualified family members.
Covers you for liability claims while you are towing a trailer designed
for use with a private passenger car.
The Drake Besheer Insurance Agency offers many ways to save money. These
include our Passive Restraint, Anti-Theft Device, Drug and Alcohol Awareness
and Two or More Autos Credits.
The Drake Besheer Insurance Agency believes that paying for your insurance
should be as hassle-free as possible. We offer several payment plans through
EasyPay and Bank Check plans that are both flexible and convenient. Helping
you choose the best plan for you is another valuable service provided
by Drake Besheer.
