Auto Insurance Policies- What’s Covered and What Isn’t

In Mesa, AZ, a general liability auto insurance policy is required to protect you against lawsuits and injury claims from other drivers based on accidents that happen while you are driving. Most states do require that drivers hold a minimum required amount of insurance on their policy. However, additional insurance may be encouraged to ensure that the driver has the proper amount of coverage. Lifetime Investments is knowledgeable about auto insurance policies and our agents are available to walk you through the process at your convenience.

What’s Covered by a General Liability Auto Insurance Policy?

Liability insurance is limited in coverage. There are different coverage limits, which you will choose when you pick your policy. The minimum required amount of liability coverage is determined according to state and broken down by uninsured motorist bodily injury, bodily injury and property damage categories. In Mesa, AZ, the minimum required liability insurance would be as follows:

Uninsured Motorist Bodily Injury

$15,000 in bodily injury coverage for each injured person

$30,000 in bodily injury coverage total per accident

Bodily Injury

$15,000 in bodily injury coverage for each injured person

$30,000 in bodily injury coverage total per accident

Property Damage

$10,000 in property damage coverage per accident.

As there are coverage limits, you may choose to purchase additional coverage to strengthen your policy.

What isn’t Covered by a General Liability Auto Insurance Policy?

Liability insurance is limited to covering damage that you cause, not damage that is caused to you. Thus, liability coverage won’t cover damage to your car, medical expenses because of your own injuries, loss of wages etc.

Our experienced agents at Lifetime Investments can help you pick the proper auto insurance policy to suit your needs. Contact us today to get started.

3 Benefits of Salon Insurance

For those who are yet unfamiliar, salon insurance is a type of coverage meant to protect your salon as a whole. Are you a resident of Mesa, AZ considering purchasing salon insurance? The following is an overview of 3 benefits of salon insurance. 

Fire Liability Coverage

If your salon provides services using flammable oils or candles, fire liability coverage may be necessary for your salon. Otherwise, if you have a mishap which is caused by a worker (or even a customer) in your shop, you will be 100% financially liable for making the costly repairs. Purchasing salon insurance can prevent this issue. 

Hired Contractors

On the flip side, many salon owners choose to hire contractors as a means of providing certain services. However, these contractors are typically not covered by the general policy that covers the shop. By purchasing salon insurance, you can make sure your clients and contractors are protected at all times. 

Beauty Product Coverage

Moreover, many salons make money by selling products made especially for their clients. However, there are many ways in which a product could potentially be harmful to a client. No matter if they have an allergic reaction, or the product causes some other issue, your company could be held liable with regards to financially compensating the customer. However, if you purchase salon insurance you can make sure your salon is safe even when you are in litigation over a potentially costly lawsuit.

Overall, if you are seeking high-quality salon insurance in Mesa, AZ, Lifetime Investments is one of your best options. No matter if you need a little or a lot of coverage, call, email, or stop by contact Lifetime Investments today to find out how you can start your policy and hopefully save some money in the process.