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Personal line Insurance Coverages Explanation:
- Personal Auto Policy;
> Bodily Injury and Property Damage Liability covers your legal liability for a covered accident that involves injury to another person or damage to someone's property, up to the limit of liability you select.
> Comprehensive and Collision coverages pay to repair or replace your auto if it is stolen or damaged in an accident, regardless of who is at fault. For each coverage, you select a deductible that you pay out of pocket. Your insurance company pays for the remaining damage up to the limits you select.
> When the person at fault for an accident does not have insurance, Uninsured Motorist Bodily Injury will cover injuries and damages you incur that the at-fault party is legally liable for, such as medical treatment and lost wages up to the limits you select.
> Medical Payments (MedPay) coverage pays the cost of necessary medical care you receive as a result of an auto accident and can be used regardless of who is at fault.
> Rental Reimbursement provides rental car coverage if you have a claim that is covered under Comprehensive or Collision coverage. Daily rental amounts are subject to the limit purchased.
- Home Owner, Condo and Renters Insurance;
> Homeowners insurance compensates you for losses to your home and your possessions inside it, so purchasing a homeowners insurance policy provides added security for your investment. Homeowners insurance also protects you if you're legally liable for someone's injuries on your property, as well as from financial losses caused by storms, fire, theft and other events outlined in your policy.
> When you own a condominium, you — not your condo association — are responsible for what's inside your condo. That's why having a personal condo insurance policy is important.
Condo associations have master policies that cover the property, common areas and physical structure of your building. However, these master policies do not cover your personal property or your legal responsibility to others, and they may not cover improvements or customizations to your unit.
> If you Rent your home, having insurance protection for yourself and your possessions is still important. Similar to home insurance, renters insurance protects you in situations that everyone can face: fire, theft, water damage and other unforeseen circumstances your landlord’s policy doesn't cover.
- Motorcycle & ATV Insurance;
With motorcycle and ATV insurance coverages from Viable Insurance, you can choose how much and what kind of coverage your bike or ATV needs — at a reasonable price, too. Options include Bodily Injury and Property Damage Liability, Medical Payments, Roadside Assistance, and more. Protect your bike or ATV with the following types of insurance coverage:
> Bodily Injury & Property Damage Liability (BI/PD) covers you if you’re at fault for an accident that injures another person or damages someone's property, up to the limits you select.
> Comprehensive & Collision - This motorcycle insurance coverage pays to repair or replace your motorcycle or ATV if it's stolen or damaged in an accident, regardless of who is at fault. For each coverage, you select a deductible that you pay out of pocket. We pay for the remaining damage.
> Uninsured/Underinsured Motorist (UM/UIM)- When the person at fault for an accident doesn't have insurance or doesn't have enough insurance; UM/UIM will cover your injuries and damages that the at-fault party is legally liable for, such as medical treatment and lost wages.
> Medical Payments - MedPay covers the cost of necessary medical care you receive as the result of a motorcycle accident and can be used regardless of who is at fault. MedPay often is limited to medical treatment received within the first three years after an accident and is limited to a specific dollar amount. In some states, MedPay only applies after other medical insurance is exhausted.
> Custom Parts & Equipment - When you purchase Comprehensive or Collision motorcycle insurance coverage, at least $3,000 of Accessory coverage for your custom parts and equipment is included in most states. Up to $30,000 of additional Accessory coverage can be purchased to cover custom parts that exceed the included value.