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AUTO

Saving money…Big deal. Being covered…Bigger deal!

If you are looking for the best auto insurance coverage for the most reasonable price, call PLATINUM RISK MANAGEMENT INSURANCE SERVICES. We work with over 20 top rated insurance companies to find the auto insurance that best fits your needs and budget. At PLATINUM RISK MANAGEMENT we do not offer inferior or substandard policies, but affordable auto insurance, maximum benefits, additional discounts and unmatched service.

When a car accident happens, you want to be covered. And, we want to help you get the right protection. If you’re shopping for auto insurance, price is important, but don’t be fooled by cut rate policies that leave you unprotected. At PLATINUM RISK MANAGEMENT INSURANCE SERVICES, we don’t believe in you risking a lot for a little. You might be surprised, but it often only costs a little more to substantially improve your coverage. Every insurance company has differences in what they offer, so comparing options isn’t as easy as it might seem. We help you compare options, look for discounts, and focus on maximizing your coverage in a way that fits your budget. Ultimately, we want you to have peace of mind that you and those you care about are safely protected.

A typical auto insurance policy may include the following coverage benefits.  The Coverage explanations below are a general overview:

Liability Insurance:

Provides payment for covered damages, up to the limits contained in the policy, if you are legally responsible for injury to or the death of others, or if you cause damage to their property in an auto accident. Liability auto insurance amounts should be given great consideration to protect your assets and your family.

Medical Expense:

Will pay for covered usual and customary medical costs caused by accident-related injuries, up to the limits contained in the insurance policy policy.

  • Hospital Expenses
  • Ambulance Fees
  • Physician Services
  • Funeral Expenses

Comprehensive Insurance:

Pays for accidental loss or damage to your insured vehicle from most causes except collision or upset.

  • Theft Insurance
  • Fire Insurance
  • Vandalism Insurance
  • Collision with Animals
  • Falling Objects
  • Glass Breakage Insurance
  • Hail
  • Windstorm
  • Flood

Collision Insurance:

Pays for accidental loss or damage to your vehicle caused by collision or upset, regardless of who is at fault. There are state minimum amounts of Collision insurance you should carry, but keep in mind if your limit is the minimum you could be held responsible for any damage over the amount of collision auto insurance.

Uninsured Motorist Insurance:

Provides payment, up to the limits contained in the policy, for covered legally collectible damages for bodily injury or death if you or any person riding in your vehicle is injured or killed in an accident by an at-fault uninsured vehicle, or if the driver at fault is never identified.

Underinsured Motorist Insurance:

Provides payment, up to the limits contained in the policy, for covered legally collectible damages for bodily injury or death if you or any person riding in your vehicle is injured or killed in an accident with a vehicle whose driver does not have sufficient liability insurance to cover the full amount of your loss.

Emergency Road Service:

Covers reasonable costs incurred for your insured vehicle away from service station or garage for:

  • Towing-to the nearest place necessary for repairs to make the vehicle run
  • 1 hour vehicle labor at the place of vehicle breakdown
  • Delivery of gas, oil, loaned battery or change of tire (does not cover the cost of the item)
  • Cost of labor for locksmith services if you keys are locked inside.  We do not pay for cost to replace locks or keys

Auto Rental Reimbursement:

Pays for the rental of a vehicle from a car rental agency or garage, up to the limits contained in the policy, as a substitute for the vehicle insured on the policy while it is being repaired due to a covered loss.

  • Available only if you carry both Comprehensive and Collision Coverage

 

WE REPRESENT THE FOLLOWING COMPANIES:



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