Products - Auto

Causeworth Insurance Service Inc. has partnerships with more than 60 major US insurance companies including Travelers, Infinite, SafeCo, Hartford and many more. Our agency has the ability to shop the market place to ensure you obtain the best coverage at the best price. And once you become a client, our efforts do not stop there. We know client’s insurance needs change over time, and we continually shop rates to guarantee you receive the coverage you need and deserve.

Below are some insurance terms and coverage explanations to better determine the choices for your protection and personal safety.

Liability

Liability covers bodily injury and property damage (BI/PD). This covers your legal liability, up to the dollar limits you select, for damages caused to others in a covered vehicle accident. In most states today, liability insurance is mandatory.  

Under BI/PD, your insurance company pays for damages to an injured person and for property damage that you are legally obligated to pay as a result of an accident. If your policy covers you in the event you’re sued after an accident, your insurance company will pay for a lawyer to defend you.

Liability limits generally appear as three numbers, for example, 15/30/5 or 100/300/100. The first number refers to the maximum amount, in thousands, that your insurance company is obligated to pay for bodily injury per person. The second number is the maxi-mum that would be paid out for bodily injury per claim, and the third number represents the maxi-mum amount your insurance company is obligated to pay for property damage you cause. 

Collision

When you buy collision coverage, your insurance company pays for damages if your vehicle collides with another vehicle or object. Collision coverage involves a deductible amount you select when you purchase your policy. This amount is what you are required to pay before your insurance company starts picking up the tab. Remember, the deductible amount is the amount you need to pay in the event of a claim.  

Comprehensive

Comprehensive covers damage caused by events other than a car collision - such as fire, theft, vandalism, hail or flood. It also covers damage caused by your vehicle colliding with an animal. And if your car is stolen, it will cover the cost of a rental, subject to a daily limit. Like collision coverage, a deductible usually applies.  

Medical Coverage