OREGON 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 coveragesBodily Injury,
Property Damage, Uninsured/Underinsured Motorists Bodily Injury, and Personal
Injury Protection. 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 $70,000. 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 $25,000 per person and $50,000
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 $10,000. We offer Property
Damage liability limits up to $100,000.
Uninsured/Underinsured Motorist Bodily Injury coverage protects
you and your passengers for bodily injury sustained in an accident with an uninsured
or underinsured motorist. We can provide you with the state minimum limits of
$25,000 per person and $50,000 per accident. In addition, we offer limits up
per person and $500,000 per accident.
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. We can provide you with the state
minimum limits of $15,000.
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
Uninsured Motorist Property Damage coverage pays for damage
to your vehicle and to personal property contained in your vehicle if you are
involved in an accident with an uninsured or underinsured motorist.
Towing and Rental Reimbursement Coverages pays for towing
charges and rental car charges for the qualified disablement of your vehicle.
Customizing Equipment Coverage provides protection for equipment
permanently installed by someone other than the original automobile manufacturer.
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 AVAILABLEDriver Characteristics
- Proof of Prior Insurance
- Prior Coverage Limits
- Financial Responsibility
- Insuring 2 or more Autos
- Paid in Full
- Mature Defensive Driver Course Completion
- Distant Student
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