Coverage Options

Stay Safe from Harm
As your life changes, so do your insurance needs.  Consider your personal situation when determining your coverage options.  Do you have children? Do you own a home? Do you have health insurance?  Do you lease or own your car? Burnette Insurance Services provides insurance solutions to meet your unique protection needs today, and I have the knowledge to help you find what’s right for you.

Review the auto insurance coverages summarized below. Each coverage explained below provides you with important liability, property and injury protections. For instance, Property Damage Liability pays for damages you are legally obligated to pay because of damage you cause to the property of others. Sound System Coverage is an optional coverage that you may select if you want coverage for an expensive sound system.

Protect Yourself and Others with Liability Coverages

Coverage	Description
Bodily Injury Liability Coverage	If you're responsible for injuring someone in an accident, you may be liable for, among other things, the costs of their medical treatment, lost wages, and pain and suffering. Bodily Injury Liability Coverage provides protection for bodily injury damages you're legally obligated to pay because of injuries you cause to others in a covered accident.
Property Damage Liability Coverage	When accidents happen, insurance does more than protect your automobile—it also protects your assets and provides you with financial protection from lawsuits. Property Damage Liability Coverage provides protection for damages you're legally obligated to pay because of damage you cause to the property of others in a covered accident.
Uninsured Motorist Bodily Injury Coverage	If you're injured in an automobile accident by a negligent uninsured driver, would you want some help meeting your medical expenses and financial obligations? Uninsured Motorist Bodily Injury Coverage provides protection if you or your family are injured in a covered accident caused by a negligent uninsured driver.
Medical Payments Coverage	If you're injured in an accident, could you afford to pay the medical expenses? Medical Payments Coverage provides payment for the reasonable and necessary medical treatments you or your family incur as a result of a covered accident.
Coordinated Medical Protection	Coordinated Medical Protection Coverage, similar to Medical Payments Coverage, typically provides payment for the reasonable and necessary medical expenses you or your family incur as a result of a covered accident. However, Coordinated Medical Protection applies on an excess basis only. This means that coverage is available after you're treated by your primary medical plan and exhaust the benefits available to you through it.

Protect Automobile with Property Coverages

Coverage	Description
Collision Coverage	Your vehicle is an asset that you want to protect, maintain and repair if there are any damages. Collision Coverage pays for damages to your automobile resulting from a covered accident with another car, or a covered collision with most anything else (such as a tree).
Comprehensive Coverage	Accidents happen—and they're not always the result of a collision with another vehicle. Comprehensive Coverage pays for damage to your vehicle that is not caused by collision, which may include, among other things, protection for damage caused by fire, hail, theft and vandalism, falling objects, explosion, and earthquake.

Additional Optional Coverages to Protect Your Assets

Coverage	Description
Rental Reimbursement Coverage	If your car is being serviced or repaired due to a covered loss, you don’t have to be without transportation. Rental Reimbursement Coverage reimburses you for the cost of renting a car from a rental agency or garage—up to your coverage limits.
Towing and Labor Costs Coverage	Are you reliant on transportation to complete your daily activities? Towing and Labor Costs Coverage reimburses you (up to the applicable limit) for your necessary towing charges should your car become disabled.

Other Optional Coverages May Include:

• Uninsured Motorist (UMPD) Property Damage
• Automobile Death Indemnity Insurance
• Automobile Disability Income Protection
• Lease or Loan Gap Coverage
• Sound System Coverage
• Tape Coverage (includes CDs)

Did you know that you could save money just by driving a safe automobile?  Find out which auto safety features may make you eligible for Burnette Insurance Services auto discounts and savings.


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* All coverages are subject to availability and qualifications. Other terms, conditions and exclusions may apply. This is a brief description of coverages; this is not a contract. Please read an Burnette Insurance Services policy for full coverage details