| Auto Coverage Descriptions NOTE: The following outline of coverage is for information purposes only. Bodily Injury home, savings and income if you become involved in a serious home, savings and income if you become involved in a serious accident. Pays up to the first limit for one person and, subject to the first limit for any one person, up to the second limit for all persons injured or killed in one accident. (Not available without property damage liability.) property damage liability.) Limits of Liability: 10/20/10, 25/50/25, 50/100/50, 100/300/50 Property Damage Liability (PD): Pays when you are legally liable for damage to the property of others caused by your vehicle. Pays for property damage up to the limit selected, plus the cost of any legal expenses. (Not available without bodily injury liability.) Medical Payments (MED): Pays medical, dental, hospital, and funeral expenses for you, household relatives and guest passengers injured in a motor vehicle accident. Also protects you and household relatives in other vehicles or if struck as pedestrians. (Not available without bodily injury and property damage liability.) Uninsured Motorist Bodily Injury (UMBI): Pays damages that you, household relatives and passengers in the insured vehicles are legally entitled to recover because of bodily injury or death caused by uninsured, underinsured or hit-and-run vehicles. Pays up to the first limit for one person and, subject to the first limit for any one person, up to the second limit for all persons injured or killed in one accident. (Not available without bodily injury and property damage liability.) Uninsured Motorist Property Damage (UMPD): Pays for damage that you are entitled to recover as a result of property damage caused by uninsured motor vehicles. Pays the actual cash value of your insured vehicle or $10,000, whichever is less. Coverage is subject to a $250 deductible. Pays damages caused by hit-and-run vehicles. Comprehensive (COMP): Pays for loss or damage to your vehicle caused by fire, theft, vandalism, hail, windstorm, riot, falling objects, flood, etc. If selected, the deductible applies to all damage except by fire. (Not available without bodily injury and property damage liability.) Collision (COLL): Pays for loss or damage to your vehicle caused by collision with another object or by upset. Payments are made on an actual cash value basis for the amount of each loss above the deductible selected. Rental Reimbursement (RR): Pays toward expenses to rent a vehicle if you have a loss (covered under your Comprehensive or Collision coverage) and your vehicle is disabled longer than 24 hours. Pays up to the first limit per day, but not more than the second limit per loss. (Not available without Comprehensive coverage.) Towing & Labor Costs (T/L): Pays up to the designated limit per claim for towing your vehicle and any labor cost at the place of disablement. DOES NOT pay for parts or subsequent repair costs. (Not available without other coverage.) In Case of Accident: NEVER "Make a Deal" for damages. NEVER leave the scene of even a MINOR accident. NEVER accept an offer of cash, check or "private" settlement. NEVER disavow an injury to you or your passengers. NEVER offer to pay ANYTHING even if you think you are at fault. NEVER administer first aid unless you are LICENSED to do so. ALWAYS (when conditions permit) move to shoulder or other "SAFE AREA" to prevent further damage. ALWAYS ask someone to summon police and seek medical assistance. Repeat at 5-minute intervals. ALWAYS remember the 3 C's: Remain CALM, COURTEOUS, CONSISTENT in your version of the accident. ALWAYS obtain complete information from those involved, including: License Plate Number And State Owner's Name Driver's Name And Age Registration/VIN Address City State Zip Home Telephone Work Telephone Insurance Company Policy Number Expiration Date Damage ALWAYS obtain the names of witnesses including addresses and phone numbers. ALWAYS notify the owner of the car you are driving as soon as possible. Defensive Driving Course Chances are, YOU have been, or will be, involved in a traffic accident unless…YOU learn a better way to drive through DDC. The Defensive Driving Course is part of the National Safety Council's campaign to reduce the toll of deaths, human suffering and economic loss due to traffic accidents, through the teaching of accident-avoidance techniques. Last year, traffic accidents accounted for more than 50,000 deaths, nearly 2 million disabling injuries and approximately $15 billion in property damage. Based upon past records, 66% to 85% of all traffic accidents are due to human error - mistakes made by people like you, your family, friends and coworkers. DDC helps reduce accidents by teaching defensive driving methods and increasing driver awareness. |
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| Dan Burghardt Insurance Office Locations Canal St 504-821-3111 | Westbank 504-367-7283|Laplace 985-652-2000 | Kenner 504-455-7283 Metairie 504-455-7283 Services Claims 504-456-8584 | Service 504-456-8585 | Fax 504-454-3988 Website Design and Internet Advertising Powered By steven@scfwebsolutions.com Copyright © 2008 Danburghardt , LLC All Rights Reserved |
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