21 Century Insurance Auto Coverage

21 Century Insurance Auto Coverage

21 Century auto insurance blends several types of coverage into one policy. Typically, your 21st Century policy will include some combination of comprehensive, collision, medical, liability and uninsured motorist coverage.

So what do you need? It depends on your specific situation. 21st Century liability pays for the damage you cause to others if your car is involved in an accident. It also protects you from being wiped out financially if you are sued following an accident. The greater your assets, the more you stand to lose. If you have substantial financial resources, you may need liability coverage that exceeds the coverage that you'll get from an auto insurance policy. In that case, a Personal Umbrella can provide the extra liability protection you need.

21st Century collision covers damage to your car from an accident. We can help you decide whether or not to carry collision coverage by balancing the cost of collision insurance with the value of your car. It might not be worth paying $200 a year for collision insurance on a car that's worth only $1,000. But if the car is worth $10,000, you probably want this coverage.

21st Century comprehensive coverage pays for your car if it is stolen, vandalized or damaged in some way other than in a collision. Medical coverage provides for medical expenses to you and your passengers that are the result of an accident. The way you use your car may make a difference in the amount of medical coverage you need. For example, we might suggest more coverage for a parent who regularly takes a carload of kids to soccer practice than for a driver who expects to drive mostly alone.

Keep in mind that many states require certain minimum levels of coverage. We'd be happy to talk with you about these and other factors.

Overview of the types of auto insurance

21st Century Bodily Injury Liability Insurance
Bodily Injury Liability coverage typically provides coverage for damages which a person insured under this coverage is legally obligated to pay because of bodily injury they cause to others in a covered accident.* If you are responsible for injuring someone in an accident, you may be liable for, among other things, the costs of their medical treatment, lost wages, and pain and suffering. These losses can be significant (sometimes totaling hundreds of thousands of dollars) and, if you do not have an adequate amount of insurance coverage to cover the losses, the person you injured may pursue your assets and income to cover the losses not covered by your insurance. For this reason, one rule of thumb for Bodily Injury Liability coverage is to purchase the highest limit you can afford.

21st Century Property Damage Liability Insurance
Property Damage Liability coverage typically provides coverage for damages which a person insured under this coverage is legally obligated to pay because of damage they cause to the property of others in a covered accident.* Consider the potential costs if you destroy someone else's expensive new car, or cause structural damage to a home, or storefront. As with Bodily Injury Liability coverage, some believe the most prudent decision here is to purchase the highest limit you can comfortably afford.

21st Century Uninsured Motorist Bodily Injury
Unfortunately, not every driver on the road maintains insurance coverage, even though the law of most states requires drivers to carry liability insurance. And, of those who do carry liability insurance, many have very low coverage limits.

21st Century Personal Injury Protection
Personal Injury Protection (PIP) coverage typically provides coverage for reasonable and necessary medical expenses, loss of income, and loss of services for persons who are injured as a result of a covered accident. It also may provide protection for passengers as well as pedestrians in covered accidents involving the insured vehicle.

21st Century Medical Payments
Medical Payments coverage typically provides protection for reasonable and necessary medical expenses incurred as a result of bodily injury sustained by you (or other persons insured under this coverage, such as your guest passengers) in a covered accident.* Such expenses might include, for example, ambulance, hospital, x-ray, dental and surgical expenses. If you were injured in an accident, could you afford to pay the medical expenses?

21st Century Collision Insurance
This coverage helps pay for damage to an insured auto as a result of a covered accident with another car, or a covered collision with most anything else (such as a tree).* If your auto were damaged in an auto accident, could you afford to repair it?

21st Century Comprehensive Insurance
Comprehensive coverage helps pay for damage to an insured auto not caused by collision. This coverage typically includes, among other things, coverage for damage caused by falling objects, hail, fire, theft and vandalism, explosion, and earthquake. As with Collision coverage, a deductible you choose will apply.