Automobile insurance is a specialty of our company. If you become one of our customers, you will be insured with other drivers with good driving records, thus providing premium savings for you.

Standard Insurance Coverage’s 
LIABILITY INSURANCE COVERAGE
To pay for BODILY INJURY and/or PROPERTY DAMAGE for which you, any other driving member of your household, or someone who borrows your automobile, becomes legally responsible because of an accident.

 In addition to this we will pay you the following:

• Up to $50 per day including lost wages for your appearance at hearings or trials at OUR request.
  
• Up to $250 for premiums per bail bond which could be required because of YOUR involvement in an automobile accident or traffic violation.
  

MEDICAL PAYMENTS INSURANCE COVERAGE
To pay for reasonable medical and funeral expenses incurred by you and all passengers in your automobile, or by you and members of your household while occupying an automobile or as a pedestrian struck by a motor vehicle. This coverage will pay (in the absence of any other valid and collectible medical/hospitalization insurance) even if the accident is the other person’s fault.

UNINSURED MOTORISTS INSURANCE COVERAGE
The insurance acts as a “substitute” for someone else’s liability insurance policy, if you, or members of your household, are injured while in an automobile or as pedestrians by the driver of an uninsured automobile or a “hit and run” driver, this insurance pays the claim you would have made against the at-fault person. This insurance does provide MEDICAL PAYMENTS coverage but is broader, in that it will pay amounts larger than are normally purchased for MEDICAL PAYMENTS insurance.

UNINSURED MOTORIST PROPERTY DAMAGE INSURANCE COVERAGE
(CA only)
If you have not purchased collision coverage on your automobile and an identified uninsured motorist, collides with your automobile, the resulting damage will be paid under your policy. This coverage does not have a deductible and the limit for this coverage is $3,500.00.

COMPREHENSIVE INSURANCE COVERAGE
This coverage provides you with, just as the name implies, a very broad coverage which will pay for damage to your automobile from a wide range of damages such as: theft, vandalism, natural disasters (i.e., hailstorms, windstorms, flood), fire, explosion, glass breakage, falling objects, or virtually an other type of damage except collision, upset or mechanical breakdown.

COLLISION INSURANCE COVERAGE
This insurance coverage pays for damage to your automobile which results from a collision of your automobile with another object or by the upset of your automobile.

• Collision coverage is only available if Comprehensive coverage is purchased.
  
• Comprehensive or Collision coverage will pay for repair or replacement, up to the actual cash value of your automobile minus the deductible of your selection.
  
• Non-factory installed equipment, in any, must be declared and an additional premium charged to provide coverage.
  

Additional Coverage’s
TOWING AND LABOR COSTS COVERAGE
This coverage pays for emergency repairs and/or towing when your automobile breaks down. It will pay the labor costs for emergency repairs but not for the parts needed to repair your automobile. There is a limit of recovery for each emergency.

RENTAL REIMBURSEMENT COVERAGE
This coverage provides reimbursement for rental fees when an automobile is rented from a rental agency or garage as the result of a defined loss.

DISCOUNTS
Reasonable costs and the ability to custom tailor your coverages and policy limits are not the only benefits you will receive when you become a policyholder of JSW Insurance. If you qualify, we can offer you a number of discounts.

• Insure two or more automobiles with our company and we will give you a premium discount. The automobiles receiving this discount must be registered to you.
  
• Drivers 55 years of age or over receive a further discount if they hold a Mature Driver Improvement Course Certificate.
  
• A renewal discount is available for policyholders who have been insured with our company for at least three years.
  
• Discounts are applied for vehicles with either driver side only, or driver and passenger side airbags.
  
• Vehicles equipped with anti-theft devices are eligible for further discounts.
  
• Conviction/Accident Free Credit (CA only)
  
• Good Student Discount

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