Affordable car insurance may seem impossible without sacrificing quality coverage, but not at Southpoint Insurance. We offer exceptional coverage, features, and services, all wrapped into one affordable auto policy. Plus, with many available credits and discounts, we can make your car insurance coverage even more affordable.
Bodily Injury Liability Insurance
Bodily Injury Insurance protects you against financial loss when you are held legally responsible for an automobile accident causing injury or death to someone else. This auto insurance coverage also includes the legal costs involved in your defense for a covered suit as well as court costs and bail bond expenses.
The auto insurance coverage amount is a “Split Limit,” such as $100,000/$300,000. The first figure is the maximum limit provided for one injured person. The second figure is the limit provided for two or more persons in any one accident or occurrence.
Property Damage Liability Insurance
Property Damage Liability covers you against financial loss if you are found liable for damage to other people’s property (e.g. light poles, fences, another vehicle, etc.) caused by your automobile.
Property Damage Liability protects you if you are at fault in an accident. If your car insurance coverage doesn’t carry enough liability, you could be sued for your personal assets – your home, savings, investments, or income. When you’re determining how much car insurance coverage is appropriate for you, it’s important to consider all the assets you want to protect.
Underinsured Motorist Insurance
Underinsured Motorist Insurance coverage pays benefits for the bodily injury or death of you and any passengers in your car if you, at no fault of your own, are involved in an accident caused by a driver who has some insurance, but not enough to cover the losses that result from the accident.
Generally, your Uninsured Motorist coverage should be equal to your Bodily Injury and Property Damage Liability, so that you provide the same level of coverage for yourself—if you’re injured—as you would for others.
Uninsured Motorist Bodily Injury
Uninsured Motorist Bodily Injury coverage pays bodily injury or death expenses for you and any passengers in your vehicle up to your policy limits if you’re struck by a driver who doesn’t have insurance, or if you’re struck by a “hit-and-run” driver that you cannot identify.
Uninsured Motorist Property Damage
Uninsured Motorist Property Damage insurance pays for damage to your vehicle when, at no fault of yours, is struck by an uninsured driver, a hit-and-run driver, or an insured driver whose Property Damage Liability limit is inadequate to cover the property damage losses incurred.
Personal Injury Protection Insurance (No-Fault Insurance)
Personal Injury Protection Insurance coverage pays benefits for the cost of personal injuries resulting from an automobile accident. Coverage applies without regard to who was at fault in the accident. It applies only to injuries, and does not cover damage to a car, or to any other property. Coverage is provided on a per-person, per-occurrence basis.
Medical Payments insurance coverage pays reasonable and necessary medical expenses, up to the selected limits, directly resulting from an auto accident. This may include medical care, recovery, rehabilitation and remedial care, as outlined in your policy. Coverage varies by state.
Collision Coverage pays for damage to your covered vehicle (up to its actual cash value), less the deductible amount, for losses caused by collision. Collision means contact with a physical object, such as another vehicle or a structure.
If you plan to purchase Collision Coverage, selecting a higher deductible generally helps to reduce the cost of your insurance.
This car insurance coverage is available only if you carry Comprehensive coverage. Recommended for vehicles 7 years old and newer with a deductible that is financially comfortable for you.
Comprehensive Coverage pays for damage to your covered vehicle (up to actual cash value), less the deductible amount, as a result of damage caused by events such as fire, theft, glass breakage, riot, windstorm and hail.
If you plan to purchase Comprehensive auto insurance coverage, selecting a higher deductible generally helps to reduce the cost of your insurance.
Comprehensive is often required when your car is financed or leased. Recommended for vehicles 10 years old and newer with a deductible that is financially comfortable for you.
Full Glass Coverage
Full Glass Coverage pays the amount of a covered glass loss with no deductible. This full glass coverage is optional and can be purchased for an additional premium.
Towing and Labor Coverage
Towing and Labor Coverage pays up to the selected limit for towing of your covered vehicle when it is inoperable, whether or not there is an accident involved. (Note: You must select Comprehensive coverage to obtain this coverage.)
Rental Reimbursement Coverage
Rental Reimbursement Coverage is instrumental if your car becomes inoperable due to a covered loss and you need to rent a substitute, this auto insurance coverage pays the cost of the rental car up to your policy limits.
This coverage is available only if you carry Comprehensive and Collision coverage.