Life Insurance Health Insurance Commercial Insurance Personal Insurance
Home Page Policy Changes About Us Contact Us Membership Opportunities Broker Opportunities Click to Watch Video

The Latest Trends In Auto Liability

Why You Need Auto Insurance

Ok, we all know driving can be dangerous, but here are the latest statistics from the auto insurance carriers.

  • Motorcycle accidents have increased over the past five years.
  • Auto fatalities are up 3.3%.
  • Distracted drivers cause 1 in 4 accidents.
  • Every day 1,000 people are injured by distracted drivers.
  • 900 people a year die, and nearly 2,000 are injured, as a result of vehicles running red lights.
  • Cell phone usage caused 21% of all fatal accidents.
  • Medical costs have risen over 4% in the last year.
  • The average auto liability claim for property damage was $3,073.
  • The average auto liability claim for bodily injury was $14,653.

Auto Insurance

Your auto insurance program should have the following:

Auto Liability - Bodily Injury Liability Coverage pays for medical damages and funeral expenses for any people injured or killed in an accident for which you were responsible.

Auto Property Damage – Covers damage you do to a third party.

Auto Physical Damage -- Covers comprehensive and collision. Collision is designed to get your car repaired if you hit an object. Comprehensive Coverage covers your vehicle in the event of damage or loss from something other than a collision. This includes theft, vandalism, nature, animals.

Uninsured Motorist – This insurance pays in the event you are hit and injured by an uninsured motorist. Even though auto insurance is required, one in four drives does not carry any insurance.

Personal  Injury Protection – This coverage provides no fault coverage for passengers who are injured in your vehicles.

Alternatives Insurance® Agency was established in St Louis County in the fall of 1992 .  Throughout the remainder of 1990's and through the millennium, additional locations were opened in order to service North and West St Louis, Saint Charles and Jefferson Counties.  The demand for our products continued to increase motivating the partners of the organization to develop a business model in an effort to continue the growth and success without losing our superior customer service values.       
 

Share |


No Comments


Post a Comment
Name
Required
E-Mail
Required (Not Displayed)
Comment
Required


All comments are moderated and stripped of HTML.
Submission Validation
Required
CAPTCHA
Change the CAPTCHA codeSpeak the CAPTCHA code
 
Enter the Validation Code from above.
NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive


View Mobile Version