At Long Insurance, we not only believe in purchasing higher limits to protect your assets, we also strongly hold that if you make a mistake that injures or kills another party, they, their family deserve more than $20,000. At Long Insurance we provide all clients with a quote showing several optional limits of these mandatory coverages including $100,000/$300,000/$100,000 as well as $500,000/$500,000/$500,000.
OPTIONAL COVERAGES
- Limited Property Damage: Sometimes still referred to as ‘Mini Tort’ – Limited Property Damage was brought about with the ‘No Fault’ law. This coverage pays for damage you do to another insured who chooses NOT to carry physical damage on their vehicle. They can collect up to, but no more than $1,000 under this Limited Property Damage section if you were more than 50% at fault in an accident that damaged their vehicle.
- Uninsured & Underinsured Motorist Liability (UM/UIM): Uninsured motorist coverage is an optional coverage that compensates you for pain and suffering and excess wage loss if you are injured in a hit and run accident or if an uninsured motorist strikes you. Underinsured motorist coverage compensates you for any difference between what the court awards you for your extensive injuries or debilitation that were caused by an insured driver, and the maximum you are able to collect from that person and/or his or her insurance carrier.
- Comprehensive: Sometimes referred to as ‘all other than collision’ – Comprehensive includes fire, theft, vandalism, windshield and deer claims. Comprehensive deductibles are usually $250 or $500
Rental Reimbursement: Provides a limit of reimbursement per day and per occurrence if your vehicle is involved in a ‘covered’ claim and is in the body shop being repaired. This will NOT pay if your vehicle just breaks down or has engine etc issues. Must be a covered loss; collision or comprehensive – for coverage to be activated.