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The professionals at McMichael Insurance will work with you to eliminate the confusion that exists when selecting auto insurance.

How much liability protection do I need? What deductible should I have on my vehicle? Which insurer offers the best policy for my particular situation? Our staff of professionals will answer these and other questions you may have, so that you can make an informed decision. We don’t stop at simply giving you the cost for each option, rather, we will help you understand real life situations and how having the right coverage, or lack thereof, could impact your financial well-being and your future.

Some common coverages are listed below:

Collision coverage pays for damage to your vehicle caused by the colliding of two or more objects. The basic policy pays up to the actual cash value of the insured vehicle at the time of loss.

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Customizing Coverage

The need for customizing coverage varies greatly from insurer to insurer. While the industry standard policy provides customizing coverage for all vehicles except pickups or vans, some insurers exclude customizing for all vehicles. Still others may include a small amount, perhaps $1,000. Examples of customizing include, but are not limited to the following: conversion packages, chrome wheels, special paint or lettering, truck caps and running boards. If you have any non-factory items installed in your car, truck or van, please advise your insurance professional so appropriate coverage can be put into place.

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Electronic Equipment Coverage (Non-factory)

While the basic auto policy already includes coverage for factory electronic equipment, there is still a need to add coverage for equipment that is installed in a location other than the manufacturer’s designed location. We are able to endorse the basic auto policy to cover this non-factory equipment, including items such as stereos, amplifiers, tape players, compact discs, radar detectors, and mobile phones.

Liability protects you for your legal responsibility, and resulting lawsuits, caused by an automobile accident. The protection afforded by this coverage includes bodily injuries to another person or persons and/or damage to property.

The importance of selecting the right amount of coverage cannot be understated. The law requires the responsible party to make restitution for damages in the form of cash payments. If you do not have enough insurance to pay for the judgment against you, you will be personally responsible to pay the excess amount out of your own pocket. If you are unable to do that from your current earnings then a judgment against your future earnings may be assessed.

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Loan/Lease Gap Coverage

While the standard insurance policy pays for the actual cash value of the vehicle, at the time of loss, there are instances where you may owe more than the standard insurance covers. A lease of a vehicle, or sometimes even a loan, will result in a contractual obligation that requires payment of more than the vehicle’s actual cash value, thereby leaving a shortage between what the insurance pays and what the bank requires you to pay. Lease/Loan Gap coverage provides payment for this difference so that you are not stuck paying this out of your own pocket.

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Medical Payments

Medical Payments provides an amount of money available to pay for automobile related injuries to you or passengers of your insured vehicle.

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Other than Collision (Comprehensive)

This coverage provides payment for damage to your insured vehicle caused by a Comprehensive loss, sometimes termed Other-Than-Collision. Typical examples of claims falling into this category include fire, theft, vandalism, malicious mischief and breakage of a windshield. Collision with a bird or animal is also classified as Comprehensive. The basic policy pays up to the actual cash value of the insured vehicle at the time of loss.

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Rental Reimbursement

Rental Reimbursement provides payment for rental car use due to a covered loss to your insured vehicle.

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Towing and Labor

Towing and Labor coverage will pay up to the limit of coverage purchased in connection with the disablement of your insured vehicle completed at the scene of the disablement. This includes expenses such as towing, roadside fueling of your car, a jump start or battery replacement, and changing a tire.

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Uninsured and Underinsured Motorists

Uninsured and Underinsured Motorist provides payment for bodily injury to you or passengers involved in an auto accident which is caused by a driver with either no insurance (uninsured motorists) or not enough insurance (underinsured motorists). This coverage may also apply to bodily injury to an insured household member, caused by an uninsured or underinsured motorist while riding in a non-household vehicle, walking, or riding a bike.

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Uninsured Motorist Property Damage

Uninsured Motorist Property Damage pays for damage to your vehicle in the event that it is struck by a positively identified underinsured motorist. If you insure your vehicle for full coverage, the collision coverage will pay for your vehicles. If you do not carry collision coverage, or you carry high deductibles, Uninsured Motorist Property Damage is a good option to protect your vehicle from damage caused by a driver with no insurance. This coverage is subject to a $250 deductible.