Information About Car Insurance | Access Auto Insurance Agency

Insurance 101

Auto insurance can be confusing! Access Auto Insurance is here to help.

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Because auto insurance is such an important part of your financial future, we want you to understand the basics of auto insurance so you can make the right coverage decisions for yourself.


Here is a quick lesson about the automobile insurance coverages available to you:



No License? No Problem!

A large portion of our customer base is from outside of the USA. At Access Insurance we can issue you a policy and insure your vehicle even if you have no license. The policy issued to you is the same as the policy we would issue to a customer with a valid driver's from in the USA. Keep in mind it is illegal to operate a vehicle without a driver's license. Insurance won't get your out of a ticket but it will pay for damages caused by you up to your policy limits and it also protect those persons in your vehicle at the time of an accident.


International Drivers License? We like them!

If you have a driver’s license issued from outside of the USA, we can insure you!!! Keep in mind it is illegal to operate a vehicle without a valid state issued driver's license from the USA.

 

Bodily Injury Liability provides coverage, up to your policy limit, if you cause injury to someone while driving your car. This coverage will provide a defense for you if you are sued by someone whom you have harmed.

 

Uninsured Motorist Property Damage provides coverage, up to your policy limit, for the damage to your vehicle caused by someone without auto insurance.

     

Property Damage Liability provides coverage, up to your policy limit, if you damage someone’s vehicle or property while driving your car. This coverage also provides a defense for you if you are sued by someone whose property you have damaged.

 

Comprehensive coverage provides protection to your vehicle if it is damaged by something other than a collision. For example, comprehensive coverage would cover you if you hit a deer, if your vehicle was stolen, or if your vehicle was damaged by fire.

     

Medical Payments provides coverage, up to your policy limit, for injuries to the driver and passengers in your car. It also provides coverage if you are hit by someone else while outside of your vehicle.

 

Collision coverage protects your vehicle if it is hit by another vehicle or object.

     

Uninsured Motorist provides coverage, up to your policy limit, for your injuries if you are hit by a person that does not have insurance coverage.

 

Rental Reimbursement coverage pays for a rental vehicle if yours is in the shop because of a collision that is covered by your auto insurance policy.

     

Towing and Labor reimbursement pays for your vehicle to be towed to the nearest auto body shop.

   

 

Depending upon the state in which your vehicle is located, certain coverages are required by law and other coverage's, such as Personal Injury Protection and Underinsured Motorist, are available. Be sure to ask your insurance agent about required coverages and options in your state.


Disclaimer:

These descriptions are meant to assist you in determining your auto insurance needs. These are not complete descriptions and do not constitute an insurance contract or coverage for specific losses. For a complete description please consult your policy contract or contact your insurance agent.