NEW JERSEY INSURANCE PRODUCTS
PRIVATE PASSENGER AUTO INSURANCE
Bristol West Insurance Group offers a wide range of coverage options to meet
your needs. Your independent insurance sales center representative can assist
you in choosing the right coverages for your individual situation.
A liability-only policy includes Bodily Injury and
Property Damage coverages. A liability and physical damage policy
includes these coverages along with Collision and Comprehensive.
Collision and Comprehensive coverages are required if your
vehicle is financed or leased and are subject to a deductible. We can provide
coverage up to a maximum vehicle value of $125,000. We offer several deductible
Bodily Injury liability coverage protects you if you are involved
in an accident and you cause bodily injury to others. This coverage also provides
you with a defense if you are sued by another person for covered damages. We
can provide you with the state minimum limits of $15,000 per person and $30,000
per accident. In addition, we offer Bodily Injury liability limits up to $250,000
per person and $500,000 per accident.
Property Damage liability coverage protects you if you are
involved in an accident and you cause damage to another person's property. We
can provide you with the state minimum limits of $5,000. We offer Property Damage
liability limits up to $100,000.
Personal Injury Protection liability coverage provides coverage
for your own injuries without regard to fault. We can provide you with the state
minimum limits of $15,000. We offer PIP limits up to $250,000. If Full Principal
PIP is selected, the following coverages are also provided: Income Continuation,
Essential Services, and Funeral Expenses. PIP Medical Expense only is also
available for those customers who only want the Medical Expenses coverage.
Uninsured/Underinsured Motorists liability coverage protects you
and your passengers if you are involved in an accident with an uninsured or
underinsured motorist. Coverage can be elected for Bodily Injury and Property
Collision coverage pays for damages to your vehicle when damaged
by collision with another vehicle or object regardless of fault.
Comprehensive coverage pays for damages t coverage pays for damages to your vehicle when
damaged as a result of causes other than collision such as vandalism, theft,
wind, hail, and water.
ADDITIONAL OPTIONAL COVERAGES
- Towing and Labor Coverage
- Rental Reimbursement Coverage
- Additional Equipment Coverage
- Auto Loan/Lease Coverage
Refer to the policy itself for legal descriptions of the coverages offered
by the company. State regulations and the policy provisions determine actual
coverage levels and limitations. All applications are subject to underwriting
rules and restrictions.
- Proof of Prior Insurance
- Prior Coverage Limits
- Policies with Prior Insurance from a Standard company
- Policies with Continuous Insurance with the same carrier over a period of time
- Financial Responsibility
- Defensive Driver Course Completion
- Insuring 2 or more Autos
- Minor Child Driver
- Students that attend school away from the residence
- Drivers that have been accident/violation free for 3 years
- Drivers that have been accident free for 5 years
- Policies that are purchased at least 2 days prior to effective date of the
policy (Advance Purchase)
- Policies that elect to receive policy documents via email (Go Paperless)
- Paid in Full
- Policies electing the Electronic Funds Transfer (EFT) payment option
Discounts available subject to underwriting rules and conditions. Not all premium
discounts will be available in all programs. Amount of discount will vary. Proof
of eligibility may be required.
FLEXIBLE PAYMENT OPTIONSterms to suit your needs. You may choose
to either pay the premium in full or select one of our low down payment plans
with affordable monthly installments.
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This is provided as a summary only and does not alter or change any terms or conditions of the insurance application, declarations, insurance policy and any endorsements thereto.
Bristol West Insurance is underwritten by:
Bristol West Insurance Company
Bristol West Casualty Insurance Company
Bristol West Preferred Insurance Company
Coast National Insurance Company (For Policies underwritten in California)
Security National Insurance Company
(Companies vary by state)
Member of the National Insurance Crime Bureau (NICB).
©2007 Bristol West Holdings, Inc