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Key Components of Auto Insurance

• Liability Coverage: Pays for bodily injury and property damage you cause to others if you're at fault.

• Collision Coverage: Covers damage to your own car from hitting another vehicle or object.

• Comprehensive Coverage: Pays for non-collision damage, like theft, vandalism, fire, or natural disasters.

• Medical Payments/PIP: Covers medical expenses for you and your passengers, regardless of fault.

• Uninsured/Underinsured Motorist: Protects you if hit by a driver with little or no insurance. 

Key Coverage Areas

• Dwelling Coverage: Pays to repair or rebuild your home's structure.

• Personal Property: Covers your belongings (furniture, electronics, clothes) if stolen or damaged.

• Liability: Protects you if someone is injured on your property or you accidentally damage others' property.

• Additional Living Expenses (ALE): Covers hotel and food costs if you must live elsewhere during repairs.

• Other Structures: May cover detached garages, sheds, or fences. 

Key Aspects

• Protects Business Assets:

  Covers physical locations, equipment, and inventory from perils like fire, theft, or natural disasters. 

• Manages Liability:

  Shields against claims of bodily injury, property damage to third parties, slander, or fraud. 

• Covers Employees:

  Workers' Compensation pays medical costs and lost wages for work-related injuries. 

• Addresses Modern Risks:

  Includes policies for data breaches (Cyber Liability) and business interruption. 

Types of life insurance

• Term Life: "Renting" coverage for a set term (e.g., 10, 20, 30 years). Simple, affordable, and great for covering specific timeframes like raising children or paying a mortgage.

• Permanent Life (e.g., Whole, Universal, Variable): "Owning" lifelong coverage with a savings/investment component (cash value) that can be borrowed against or used during your lifetime.

  • Whole Life: Fixed premiums, guaranteed cash value growth, and death benefit.

  • Universal Life: Flexible premiums and death benefits.

  • Variable Life: Cash value tied to investment performance (stocks, bonds).

Key purposes

• Financial Security: Protects your savings from catastrophic medical bills.

• Access to Care: Encourages preventive care (vaccines, screenings) and timely treatment for illnesses.

• Cost Management: Helps manage costs through negotiated rates and shared expenses.