Asset Equine & Ranch Insurance Agency
2016 © All Rights Reserved
P.O. Box 185 Pilot Point, Texas 76258
Automobile Insurance for your Car or Truck
At Asset we help design a product to help financially cover possible auto-related damages, loss or injuries. It helps protect you, your passengers, your fellow drivers, pedestrians, other people's property and your vehicle whether that may be a Freightliner used in your equine operations or your personal vehicle. It can also help protect you in the event of an automobile-related lawsuit. An auto insurance policy is a package of several primary coverage’s. The coverage’s may differ depending on the state where you reside. Your premium payment is the total of these selected coverage’s for a given period of time.
Bodily Injury Liability -- Protection for damages that involve bodily injury to others for which you become responsible under law.
Property Damage Liability -- Protection for damage to property of others for which you become responsible under law.
Medical Payments -- Protection that pays reasonable medical and funeral services to or for those who sustain bodily injury caused by an “accident”.
Uninsured Motorist Protection -- Coverage allowing you to recover bodily injury damages due to an accident where the other party does not have insurance, and is found legally liable.
Underinsured Motorist Coverage -- Coverage allowing you to recover bodily injury damages due to an accident where the other party is found legally liable and does not have adequate liability limits.
Hired Auto Liability Coverage -- Covers liability for automobiles hired under contract on behalf of or loaned to the named insured.
Hired Auto Physical Damage -- Provides coverage for an automobile of any type: hired, borrowed, or leased on a short-term basis for use in the insured’s business. May be insured for Comprehensive and Collision Coverages.
Personal Injury Protection -- Provides coverage for injury, death, loss of services, and loss of income suffered by you, your covered passengers, or covered family members (for those who reside in states with no-fault insurance laws).
Collision Protection -- Protects you from loss caused by damage to your auto by collision, subject to the deductible on the policy.
Comprehensive Protection -- Protection for the loss of or damage to your vehicle and its equipment from all causes except collision, subject to the deductible on the policy.
Additional protection can be added with the following coverage
Towing and labor-- costs coverage to pay for emergency repairs and/or towing when your vehicle breaks down.
Rental reimbursement --for the expense of renting a substitute vehicle when there is a loss to yours.
Lay-Up Credit -- Program for seasonal farm trucks, one ton and over, including trailer.
Trailer Coverage -- We offer very competitive rates and the ability to custom tailor a program specifically to your needs through deductible and coverage options and variations that are satisfactory to the customer as well as the lien holder. Most equipment types’ standard coverage consists of replacement cost coverage rather than actual cash value settlements in order to get the retail customer back on the job with no depreciation expense to absorb.