Don’t get run over by the lack of coverage


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There’s a lot riding on the right auto inurance. Lack of coverage will cost you in ways you can’t imagine. The experts at Members 1st Insurance Services know car insurance and can help you design a coverage plan tailored to your needs.

When you talk about auto insurance, do you really understand what it all means? The following may help you understand some common auto insurance jargon. Please note that each state regulates auto insurance differently and some of the terms may differ from state to state or from policy to policy. Ask your insurance agent for clarification.

  • At fault – This is the degree to which you caused or contributed to the accident, or are “at fault”, and it determines whose auto insurance company pays what portion of the damages.
  • Bodily injury liability – This is what pays for the medical expenses and additional damages for which you are liable for other individuals injured in the accident in which you are at fault.
  • Comprehensive coverage – This pays for damages to your vehicle resulting from a covered loss other than a collision. Examples are theft, fire, vandalism, contact with persons, animals, birds or falling objects.
  • Collision coverage – This pays for physical damage to your vehicle if it’s caused by rolling the vehicle or you get into a collision with another vehicle or object such as a telephone pole, fence, or building.
  • Covered loss – This includes any damage to you, your vehicle or other people or property that is covered under your insurance policy.
  • Deductible – This is your upfront out of pocket expenses you pay before what your insurance company pays. Higher deductibles allow your insurance company to offer you lower premiums.
  • Property damage liability – This pays for the damages your auto causes to others and their property.
  • Medical payments coverage – This pays for reasonable medical expenses or death benefits to anyone covered under your policy, regardless of fault.
  • Premium – The amount you pay for your insurance coverage, monthly, quarterly or annually.
  • Underinsured motorist bodily injury coverage – This pays for your bodily injury and any related medical expenses when you’re injured in a car accident and the responsible party (someone other than you) doesn’t have adequate auto insurance.
  • Uninsured motorist bodily injury coverage – This pays for your bodily injury and related medial expenses if you’ve been injured in a car accident and the responsible party (other than you) doesn’t have auto insurance or can’t be located (hit and run).

Ask us about rental reimbursement, repair or replacement coverage, towing and labor coverage, gap insurance and more. Put the brakes on higher premiums and not being covered properly. Let us review your current auto rates and provide you with a FREE quote. We may be able to help you lower your premiums. Ask us if you qualify for an additional group discount through our insurance carriers.*

Call (800) 283-2328, ext. 5128 or 5245 today or visit http://www.members1st.org/products-services/insurance-services.

*Insurance services are available to Pennsylvania residents only.

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