MICHIGAN 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 policy with state mandatory coverages only includes Bodily
Injury, Property Damage, Property Protection,
and Personal Injury Protection coverages. A policy with
state mandatory coverages and physical damage 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
Bodily Injury liability coverage protects you if you are involved
in an accident in Michigan and you cause serious bodily injury to others. If
you injure someone while driving in another state, you are under the law of
that state and can be sued in the courts of that state and made to pay damages.
We can provide you with the state minimum limits of $20,000 per person and $40,000
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 outside of Michigan and you cause damage to another
person's property. We can provide you with the state minimum limits of $10,000.
We offer Property Damage liability limits up to $100,000.
Personal Injury Protection coverage provides coverage for
your own injuries without regard to fault. This coverage includes all of your
medical costs incurred in an automobile accident as well as a limited amount
of lost wages resulting from the accident.
Property Protection coverage provides coverage of up to $1
million for damage your car does in Michigan to other people’s property
such as building, fences, and other people’s properly parked vehicles.
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 to your vehicle when
damaged as a result of causes other than collision such as vandalism, theft,
wind, hail, and water.
ADDITIONAL OPTIONAL COVERAGES
- Limited Property Damage Coverage
- Uninsured and Underinsured Motorist Coverage
- Towing and Labor Coverage
- Extended Transportation Coverage
- Customizing Equipment 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
- Financial Responsibility
- Insuring 2 or more Autos
- Electronic Funds Transfer (EFT)
- Years clean discount
- E-mail discount
- Advanced purchase
- Prior carrier
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 OPTIONS
Bristol West offers a variety of policy terms 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