Auto Insurance Agency in Kerman, CA
NOLIMITS Insurance Services
Business Auto Coverage Form (BAP)
The Business Auto Coverage Form is used to cover the autos owned by or used by a business in Kerman, CA, including owned, leased, hired, rented, or borrowed private passenger autos, trucks, trailers, and semi trailers. It also provides liability coverage for trailers being towed by a covered vehicle, but does not provide automatic coverage for physical damage to trailers. Non-owned vehicles may be covered if they are used in the course of the insured’s business (e.g. the personal auto of an employee used on the insured’s behalf).
Insurance Coverage
This section provides coverage for bodily injury or property damage caused by an accident for which the insured is legally responsible.
Who is an Insured Person
The following are considered insureds under the policy:
The named insured for any covered vehicle
Anyone else using an owned, borrowed, or hired vehicle with the named insured’s permission
Anyone liable for the conduct of an insured
Personal Auto Policy
All states require some degree of insurance for your vehicle to protect you and others. At NOLIMITS Insurance Services in Kerman, CA, we personalized policies that can deliver financial protection for you, and others. Save money with auto insurance coverage options that fit your needs.
Newly Acquired Auto Insurance
A newly acquired auto in Kerman, CA will have the broadest coverage that the insurer provides on any existing vehicle shown in the Declarations. However, for coverage to apply, the insured must ask the insurer to insure the vehicle within 14 days of becoming the owner.
Liability Coverage
Insuring Agreement
The insurer will:
Pay damages for bodily injury or property damage for which an insured becomes legally responsible.
Settle or defend any claim or suit asking for such damages.
Pay all defense costs it incurs, in addition to the liability limits (the insurer’s duty to settle or defend ends when the limit of liability is exhausted).
The insurer will pay reasonable expenses incurred for necessary medical and funeral services caused by an accident, sustained by an insured,
and incurred within 2 years of a claim.
Out of California Coverage
While the covered auto is away from the state where it is principally garaged, the policy’s limit of liability insurance will automatically increase without an additional premium to comply with any higher specified compulsory insurance or financial responsibility law in the state where the covered auto is being used.
Uninsured/Underinsured Motorists Coverage (UM)
The insurer will pay damages that an insured is legally entitled to recover from the owner or operator of an uninsured motor vehicle because of bodily injury.
The policy defines uninsured motor vehicle as:
A vehicle that is uninsured at the time of the accident.
A hit-and-run vehicle.
A vehicle for which there is a liability policy or bond in force at the time of accident, but for which the insurer denies coverage or becomes insolvent, or the policy limit for bodily injury is less than that required by the financial responsibility law.
Limit of Liability
The limit of liability shown in the Declarations is the maximum the insurer will pay in any one accident. This is the most the insurer will pay regardless of the number of insureds, claims made, vehicles or premiums shown in the Declarations, or vehicles involved in the accident. If the loss is covered under more than one Part of the policy, payment will not be duplicated.
California Low Cost Auto Insurance
This program is part of the California Automobile Assigned Risk Program. It was started in selected counties and has now expanded to all counties. The program has a sunset deadline (expiration date) of January 1, 2025.
Eligibility
The household in Kerman, CA must have a gross annual income no higher than 250% of the Federal Poverty Level. The insured vehicle must be valued at $25,000 or less.
Motorcycle and Off-Road Vehicles Insurance Coverage
Provides the same type of coverage for motorcycles as it does for autos. Special, custom or after-market parts are not covered by the basic policy. Includes off-road coverage for trail, dirt or other off-road cycling activities in Kerman, CA that would not normally be covered under the basic policy.
Call NOLIMITS Insurance Services now to learn more about our insurance coverage plans we offer for your vehicle and your specific needs in Kerman, CA.