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.

COVERAGES OFFERED:

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 options.

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 Damage.

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.

DISCOUNTS AVAILABLE

Vehicle Equipment

  • Anti-theft Device

Driver Characteristics

  • 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
  • Homeownership
  • 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

 

Part of the Farmers Insurance Group ®