At Commonwealth Insurance Services we offer a variety of coverages to meet your auto insurance needs.
The basic types of auto insurance coverage are:
1.Bodily injury liability, which provides coverage for bodily injury claims from the people you might injure in an accident.
2.Property damage liability, which covers any property damages to third parties — such as another person’s car you damage — which you cause or are responsible for.
3.Medical payments to the policy owner and other passengers in the policy owner’s car.
4.Uninsured and underinsured motorist coverage, which protects you when the negligent driver has no insurance or insufficient insurance (in most states, this covers only bodily injury losses — though some states also include property damage losses).
5.Physical damage covers damage to your car.
a.Collision, which covers losses to your car when you are involved in a collision.
b.Comprehensive, which covers most non-collision physical damage to your car (if your car is damaged in a storm, or a windshield breaks, for example).
Commonwealth Insurace Service’s purpose is to provide low premiums whether it’s for home owners, renters or condo insurance, regardless of the property location. It’s our mission to seek the best possible coverage’s for our clients.
If you rent a house or an apartment, you might think you don’t need insurance because you don’t own the building. Your landlord’s insurance only covers the building, not your belongings. Without insurance of your own, you could be left with nothing in the event of a fire or burglary.
Choosing the right insurance policy is much like choosing the right bike. You want it to fit your needs and lifestyle, but at the same time be within your budget. Although most states require you to carry a minimum amount of liability coverage, other types of coverage are usually optional. Check with us to learn which laws apply in your state.