Coverage That's Required
Liability — Bodily Injury
If you cause an accident and someone else is injured as a result, you could be held legally responsible for their medical bills, and the reality is most people can't afford that. For this reason, most states require a minimum amount of bodily injury liability coverage for each driver to help pay for medical expenses and legal fees that may be incurred as a result.
Liability — Property Damage
What would you do if you accidentally drove into someone else's home or a business? Or what if you drove into someone's yard to avoid hitting a dog, but you knocked over a mailbox, or hit a tree or a car parked in the driveway instead? Scenarios like these are why most states require you to have at least a minimum amount of property damage coverage. This coverage will help you pay for damages that you may be legally responsible for because of an auto accident.
Uninsured Motorist – Bodily Injury
Every state requires drivers to have at least a minimum amount of liability insurance, but not every driver has it. If someone who does not have auto insurance causes an accident and you are injured as a result, the at-fault driver may not be able to help pay for your medical expenses. Your uninsured motorist coverage will help you pay your medical bills in this situation.
Coverage That's Optional
Poles. Guard rails. Shopping carts. Collision coverage helps you fix your car if it gets damaged because you ran into something or something ran into you, whether it's your fault or not. Although collision coverage is not required by law, if your vehicle is financed, your lender may require you to carry it.
Deer, hail, floods, theft, windshield chips, falling objects and fire are all examples of things that can cause damage to your car that may not be included in collision coverage. Comprehensive coverage helps you pay to fix or replace your vehicle for most damage not covered by collision coverage. Of course, there are exclusions, so read your policy and talk to an independent agent about AmShield's coverage.
Just like collision coverage, comprehensive coverage is optional in all states unless it is required by your lender.
Ambulance fees, hospital bills, follow-up doctor visits, and x-ray or surgery costs can quickly make even fairly minor injuries become expensive. Medical payments coverage can help pay reasonable medical and dental bills incurred by you or your passengers in a covered loss. And though no one likes to think about it, coverage for funeral expenses is included.
Most states do not require you to buy medical payments coverage.
Personal Injury Protection (No Fault)
If you're injured in an accident and need to take extended time off work to recover, it could result in some loss of income. Or maybe you're the one your family counts on for cooking, cleaning and transporting the kids to their activities, but your injuries have stopped you from doing those things. Those are examples of when personal injury protection (PIP), also called no-fault coverage, is good to have.
PIP is designed to help you deal with the expense and inconvenience of being injured in a covered accident. In addition to routine medical expenses, PIP coverage can help cover some loss of income and additional expenses paid for services the injured person normally provided to your family, such as housekeeping, for example.
Some states require PIP coverage for all vehicle owners. In other states, PIP is not available.
If you are ever injured in an accident caused by a driver who only carries the minimum amount of insurance required by state law, the coverage may not be enough to pay all your medical expenses. You could sue the at-fault driver for the remaining amount, but there's a chance they may not be able to pay the difference. That's why adding underinsured motorist coverage as an endorsement is a good idea.
Is your car out of commission due to theft or repairs from an accident? Rental reimbursement coverage pays for a rental car so the temporary loss of your vehicle doesn't put you out of commission too.
Auto Loan/Lease Coverage
It's been said that the value of a brand new car drops significantly the minute you drive it off the lot. So what if you are involved in accident while it still has that new car smell? If your car is totaled and you owe more on it than what your collision coverage payment is, this insurance can help make up the difference.
Who We Are
Integrity and financial excellence are at the core of what we do at AmShield. We offer competitively priced property and casualty insurance that is backed by exceptional customer service.
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