аЯрЁБс>ўџ ;=ўџџџ:џџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџьЅСЉ@ №ПjbjbмЁмЁ .ЖУЖУ џџџџџџlLLLLL XLžf€€€€€€€€[]]]]]], $!(‰€€€€€‰ш€€€шшш€€€[ш0>€[шЈштkЄ[l§/EУLL–R[žž%6L"шL"[шУхFacts You Should Know About Your Auto Insurance Policy This is a brief outline of some of the facts and exclusions contained in your automobile insurance policy. Please consider these carefully and should you have questions about whether your current coverage is adequate, please call our office to discuss your coverage with one of our representatives. Please refer to your policy for specific policy language, coverages and exclusions. Who is insured: The named insured shown in the Declarations and the spouse if a resident of the same household. You must have all licensed operators, living in your household listed on your policy.  Non-members of the household may use your car, with your permission. PolicyTerritory: The United States of America, it’s territories or possessions Puerto Rico Canada – if you are going to Canada remember to call us for a Canadian card. *There is not coverage for driving anywhere other than the above territories. Automobiles Eligible for a Private Passenger Auto Policy: A Private Passenger type auto. A pickup or van that has a gross vehicle weight of less than 10,000 lbs and is not used for the delivery or transportation of good and materials. A trailer, which is designed to be pulled by a private passenger auto or pickup or van. Vehicles used for business or any vehicles with business signage. *Please check your policy to make sure that all of the above owned items are listed on your declarations page. Some Common Exclusions in the Personal Auto Policy: *These are not all of the exclusions – please read your policy for a full listing and description. Property Damage to property being transported that is owned, rented to or used by insured. Bodily Injury to an employee of insured during the course of employment. Insured’s liability arising out of the ownership or operation of a vehicle while it is being used as a public or livery conveyance. If you are using your vehicle to transport other people – you have no coverage. If you are using your vehicle in business – you may not have coverage No coverage while racing. No coverage for vehicles with fewer than 4 wheels or is designed mainly for use off public roads. Loss to any electronic equipment designed for the reproduction of sound and any accessories used with such equipment. This includes but is not limited to: a. Radios & Stereos b. Tape Decks or c. Compact disk players This does not apply to equipment permanently installed in your auto. Also excluded are, CB radios, Telephones, 2-way radios, scanning monitor receivers, television monitor receivers, video cassette recorders, audio cassette recorders or personal computers. Custom furnishings or equipment in or upon any pickup or van Coverages: If you do not see a premium for each of the listed coverages, then you most likely DO NOT have that coverage on the vehicle you are looking at. Remember -- Towing and Rental Re-imbursement are listed separately and must be purchased separately. We now recommend that your auto liability limits should be: Bodily Injury:  $250,000/$500,000 Property Damage:  $100,000 Medical Payments:  $10,000 Towing: $50 per disablement Rental Reimbursement: $40 per day with a max per loss of $1200 *If you do not have these limits – it is normally an additional $30-$40 dollars per year per vehicle to increase – please call us and we will take care of this for you* Would you like to learn more about your auto insurance options? 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