At the Law Offices of Edward J. Achrem & Associates, we will perform an insurance policy analysis and comprehensive coverage review for you free of charge. Unlike your Insurance agent who profits from how much coverage they sell you, our experienced staff will identify your individual needs and advise you on how best to protect you, your family and your assets in the best way possible.
For additional insurance related information, please read more about various insurance policies.
Liability Insurance Policy
There are two types of liability insurance coverage – Bodily Injury and Personal Property. You are required to carry a minimum amount of liability insurance, or post a bond, to register your vehicle or obtain a driver’s license. If you become legally responsible (liable) for damages, Liability coverage helps you pay for them. Your coverage includes Bodily Injury and Property Damage coverage, which pay for someone’s medical expenses, personal injuries, and property damage if you’re at-fault.
Collision Insurance Policy
If you have a collision with another vehicle, Collision Coverage helps pay for the damages to your car. This also includes fixed object like a guard rail, lamp post, or telephone pole.
Comprehensive Insurance Policy
If your car is broken into or damaged by a natural disaster, Comprehensive Coverage would help cover you financial losses to repair your vehicle. Sometimes called “Fire and Theft” or “Other Than Collision,” Comprehensive insurance covers losses from things other than an accident, like vandalism, riots, fire, floods, hail, animal collisions, and theft.