Vehicle Telematics are a device, or an app on your mobile phone that tracks and reports your driving habits. Insurance carriers review this information, including how hard you break, how fast you accelerate, how much you drive and for how long, speed, and a variety of other recordable factors, to determine the risk that you will cause an accident. Depending on their finding you may get a discount on your insurance after a predetermined review period.
There are many kinds of Insurance that can fall under the header Personal Insurance - Home and Auto being the two most common. In the most generic terms, Personal Insurance covers you in the event of an accident that results in property damage or bodily harm for which you, or your personal property, are found liable. This coverage could include payment of medical bills, lawsuits, replacement costs, and more. to learn more about the various types of Personal Insurance we offer, see the articles below.
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The policy protects your home and possessions within your home along with other structures such as non-attached garages, tool sheds, etc. Liability claims involving bodily injury, property damage and medical payments to non-household members who are accidentally injured on your property are also covered.
The liability coverage of the personal insurance auto policy provides protection against legal liability arising out of the ownership or operation of an automobile. The insuring agreement agrees to pay damages for bodily injury or property damage for which the insured is legally responsible because of an automobile accident.
The Personal Umbrella Policy was designed to provide coverage in the event of a catastrophic claim, lawsuit, or judgment. Personal umbrella policies provide excess liability insurance over the insured’s basic primary policies, such as the homeowners, personal auto and boater’s policies.