All the carriers that you have access to through The Wight Insurance Agency are professionally rated carriers.
A.M. BEST's : A, A+, A++
S&P Global Ratings : A, AA
Bodily Injury Liability - Pays when YOU cause the incident.
Uninsured/Underinsured Liability - Pays when THEY cause the incident.
Medical Payments - Pays strictly for medical bills or health insurance deductibles
Collision - Pays for physical repairs to your vehicle. ex - Hit & Run
Comprehensive - Pays for physical repairs to your vehicle if an individual is not involved
The state minimum for car insurance requires policy limits of $25,000 per person / $50,000 per accident / $15,000 property damage. BUT you don't want to settle for minimums.
Many auto insurance policies become VOID and will DENY COVERAGE if you are transporting paying passengers in your private vehicle. This means that you could be at risk for huge liability claims, repair costs, and legal expenses should an accident occur.
Ridesharing insurance protects you
by offering coverage for things like:
For those of you who don't have an umbrella or don't know what it is, its an umbrella. $1 Million Dollars (and up) of coverage that adds to the limits of all your policies. It gives you the protection and legal support you'll need in the event of a terrible incident.
Qualifying Auto limits of liability are $250,000/$500,000 and up.