Ensure that You are Insured.
If an accident happens, having the right amount of insurance can benefit you personally, financially, and legally. With Liability Coverage, you can be insured if you are held responsible for a car accident by having any medical payments for injuries sustained to drivers, passengers, and pedestrians, as well as bills for property damage covered.
If you become legally liable because of a collision, liability also helps to pay for legal defense costs if you get sued.
Components of Liability
There are two main components to Auto Liability: Bodily Injury and Property Damage Liability.
Bodily Injury Liability helps pay for the costs associated with another person’s injuries, including medical expenses, loss of income and pain and suffering.
Property Damage Liability takes care of any expenses that arise from damage caused by you to another driver’s vehicle or property.
If you are involved in a serious auto accident, Liability Coverage can benefit you by providing critical protection against the loss of your home, savings, and income. Not only is having liability a good idea, but most states require that drivers have it to be legal on the road.
It is important to have enough insurance to keep all your assets protected and not all auto policies are the same. Contact a representative with Insurance NW today for more information about what Liability Coverage can do for you.
Uninsured & Underinsured Motorist Coverage
Not Every Driver is a Responsible Driver
As a safe driver, obeying street signs, speed limits, and always using your turn signals is simply part of the routine. And if you are ever involved in an accident, your insurance policy typically keeps you protected.
Unfortunately, there are those on the road who don’t share the same safety precautions as you, and if you’re involved in an accident with a motorist without the right coverage, you may have to take care of any medical payments, damages, or any other expenses with money from your own pocket.
It is Important to be Prepared for Everything.
Uninsured/Underinsured Motorist Coverage gives you the assurance you need knowing that your medical expenses will be covered. In cases where the driver at fault does not have adequate liability to pay for your injuries and damages, you’ll be compensated for the amount in which you are legally entitled to – in regards to you, your passengers, and your vehicle. Uninsured/Underinsured Motorist Protection may also take care of property damage in some states.
Since Uninsured/Underinsured Motorist Coverage is a separate purchase from your typical Auto Insurance policy, it is important to contact Insurance NW to find out how you can be prepared for any situation on the road.
Security On and Off the Road
Your Auto Insurance policy already gives you peace of mind behind the wheel. But more than just accidents happen, and with the right policy from Insurance NW, you can make sure that the security of your automobile does not stop the moment you pull into the driveway. Comprehensive Coverage insures your vehicle and equipment against damage and expenses that result from something other than a collision.
At Insurance NW, we know that life is full of surprises, and with Comprehensive Coverage you can be prepared for all of them. Our team of asset protection specialists can prepare a plan that works for you with a variety of impressive features to insure your car against damages or loss resulting from:
- Theft or Larceny
- Vandalism and Glass Breakage
- Fire Damage
- Hail, Water, or Flood Damage
- Hitting a Deer or Other Animal
- Damage from Falling or Flying Objects
- Other Non-Collision Related Services
In addition to Comprehensive, Insurance NW also can offer other non-collision oriented services for you and your car, like Roadside Assistance and Diminishing Deductible.
Roadside Assistance provides you with advantages like lockout assistance, jump starts, and towing up to 15 miles – all in one convenient package.
Diminishing Deductible commends you for being an accident and violation-free driver with an annual credit reward towards your collision deductible.
Bumper-to-Bumper Protection for Your Auto.
For most drivers, a car is more than just a means of transportation – it is an investment. And if you are involved in an accident, you’ll want to ensure that your investment is protected. With Collision Coverage from Insurance NW, you can have damage to your car insured under your policy – whether the damage is a result of an accident with another vehicle or object.
How Much Collision Coverage is Needed?
Different drivers require different coverage options for their Auto Insurance policies. Determining the right amount of Collision Coverage depends on factors like the age and year of your car, as well as your financial situation. An insurance specialist from Insurance NW can help you find an insurance option that best fits your budget.
In addition to protecting you and your car from collisions, we offer benefits that range from rewards and incentives to extended coverage. Our enhancements include: Diminishing Deductible, GAP Coverage, and Accident Forgiveness for better assurance.
Diminishing Deductible rewards you with credit towards your collision deductible simply for being an accident and violation-free driver.
GAP Coverage picks up the difference when a settlement from an accident is less than the actual amount you owe on your vehicle loan.
Accident Forgiveness ensures that your rates will not increase because of a single accident.
Contact Insurance NW today to see if you qualify for or want to learn more about Auto Insurance enhancements that can help save you money.
Personal Injury Protection (PIP)
Coverage that Helps You Get Well
At Insurance NW, we know that the safety and wellbeing of you and your family is important, both on and off the road. Since auto accidents can involve more than just damage to your car, we are here to help prepare you for insuring any injuries to you or a family member as a result of an auto accident.
With Personal Injury Coverage from Insurance NW, you’ll have a policy that helps pay for the treatment of you and your family members should someone get injured as a passenger or pedestrian. PIP extends to cover expenses beyond medical bills, such as loss of wages or services, and in some cases, funeral costs. Personal Injury also can extend to take care of your passengers’ bills.
Do not let the cost of medical expenses be a burden. Get your family treated and on the road to recovery with Personal Injury Coverage from Insurance NW.