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Bauer Insurance Agency Blog Page 2

View the latest blog posts from Bauer Insurance Agency.

What does Automobile Comprehensive Insurance cover?  For years this layer of Auto Insurance was not clearly named  (the word, "comprehensive," does not communicate very much, does it?)  Then someone decided to call it, "Other than Collision (OTC)  That made a little more sense. READ MORE >>

Just what is auto insurance medical and how does it work?  Auto Insurance Medical is a no fault area of the standard automobile insurance policy that covers doctor bill for anyone who is injured in, on or around the insured vehicle. READ MORE >>

In the simplest terms, Automobile Liability coverage is to cover your financial responsibility if your cause bodily injury or property damage (or both) to someone with your car. Bodily Injury:  If you cause bodily injury to someone with your car, either as a passenger in another vehicle, ... READ MORE >>

When you look are your auto insurance "Declarations" (Dec. page) you see a list of numbers with designations such as "Bodily Injury, Property Damage, Medical, OTC (Other than Collision, etc."  Each of those designations is a different layer or type of insurance. READ MORE >>

First of all, "What is a deductible?"  Basically, it is that part of a loss you are willing to pay. For instance, if your car is damaged in a hail storm, you would pay your "deductible" and the insurance company would pay for the repairs to your car over the deductible and up to the value of the car. READ MORE >>

A good question--needing some thoughtful answers.  Some questions to ask  yourself and answer before that questions can be answered are:     1. What do I have that I want to protect and what is its value? (The vehicle/vehicles I want to insure) READ MORE >>

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