Insurance options?

Understanding the types of auto insurance coverage options will help you make choices
that you feel are right for you. Learn how liability, property and injury protections can help
protect you from loss, damage and lawsuits and how limits and deductibles work.
vehicle insurance coverage options below and then get an online car
insurance quote.

Protect yourself and your family*
    •        Liability Coverage
    Typically helps protect you for damages to others if you’re at fault in a covered
    •        Guest Passenger Liability Coverage
    Typically helps protect you for bodily injury to a passenger on your car, if you’re at
    fault in a covered accident.
    •        Medical Payments Coverage
    Typically provides payment for reasonable and necessary medical treatment for
    you or another insured person after a covered accident.
    •        Underinsured/Uninsured Motorists Coverage
    Typically protects you for covered damage caused by drivers who don’t have
    insurance or don’t carry enough insurance.

Limits and Deductibles when deciding your coverage.

A Coverage Limit
determines the most an auto insurance company will pay for a covered
loss under a particular coverage. Some limits apply to each person, and others apply to
each occurrence.
The Deductible is the amount of the loss you’ve agreed to pay out of your own pocket
before an auto insurance company will pay for a covered loss.

Things to consider:

    •        The higher you set your coverage limit…the higher your car insurance rates,
    but the greater amount of protection you have.
    •        The higher you set your deductible…the lower your car insurance rates, but
    the more you’ll have to pay out of your own pocket.

Liability coverage typically helps to provide you with peace of mind. Why? Because it
helps protect you from covered damage your car does to others…damage for which you
are legally liable.

Liability – Who’s typically covered:
    •        You, family members or relatives who live with you when (1) driving your car or
    (2) driving other cars with that vehicle owner’s permission.
    •        Other people driving your car when you’ve given them permission.

Liability – What’s typically covered:
    •        It pays for you (and those covered by the policy) for legal defense costs, cost
    of bail bonds, and emergency first aid to others.
    •        It pays the people you’ve injured for property damage, loss of services, bodily
    injury, sickness, medical services, disease, loss of income and death.

Medical Payments Coverage typically helps protect you, covered passengers and covered
family members. It provides payment for reasonable and necessary
minor/major medical
for bodily injury caused by a covered accident, regardless of who was at fault.
That treatment includes, among other things, x-rays, surgery, ambulance, physicians,
hospital, and funeral expenses.

Underinsured/Uninsured Motorists Coverage for Bodily Injury will typically protect you,
covered passengers, and covered family members for bodily injury resulting from a
covered accident caused by an uninsured or
underinsured driver.

Uninsured Motorists Coverage for Property Damage (if applicable in your state) will
typically pay for covered damage to your insured car caused by an uninsured auto.

This coverage typically pays for damage to your car as a result of a covered accident with
another car…or
a covered collision with most anything else (e.g. a tree). This coverage
provides for the repair or replacement of your insured vehicle, up to the Actual Cash Value
of the vehicle. Actual Cash Value takes into account depreciation of your car due to: age,
use, and wear and tear.

Comprehensive Coverage typically covers damage to your insured car not caused by
collision (a covered accident with another car). This coverage typically includes, among
other things, damage caused by falling objects, fire, theft and vandalism, explosion,
earthquake and more.  Other types of coverage items available are
Towing & Labor
*, Rental Reimbursement* Tape/CD Coverage* and Sound System*.


Business Insurance

Commercial insurance is designed to help protect many of the risks your business can
face, including:
    •        damage or destruction to your business vehicles             
    •        certain liability exposures resulting from the operation of your business
    •        damage or destruction to your office equipment or inventory             
    •        loss of income in case you have to close-up shop temporarily because of a
    covered loss             
    •        certain business related liability exposures such as, wrongful entry or search,
    libel, slander and even certain offenses arising out of your business’s
    •        risks to your cargo while in transit or storage             
    •        theft or loss of tools and equipment             
    •        crime coverage including robbery, burglary, even employee dishonesty

Home/Property Insurance helps provide peace of mind when:  

Bad things happen. Simply put, insurance provides a safety net for you and your family
when certain unfortunate events happen like theft, fire, burglary and vandalism…You need
liability and guest medical protection too. For example, if your neighbor slips and falls in
your kitchen, you might need these coverages to help pay for medical expenses.

You need to replace, repair or rebuild. If your home were destroyed by fire today, you'd
need the financial resources to replace or repair it.

Your lender requires it. When you buy your house, you'll probably need to provide your
policy "in hand" at your closing. If you're building a new home, you may need to have
special coverage while your new home is being built.

You have special items. Protect more than your home; protect special items such as
jewelry, silverware, business property, cameras, cellular phones and more with extended
coverage options.

Protect your assets, possessions, home and your family with insurance from a major
Insurance Company. Understand what coverages are right for you and what discounts and
savings may be available.
Welcome to JAGDIRECT!
© 2005- 2007 JAGDirect; jag insurance & benefit services; all rights reserved.
Auto Insurance coverage options?
call us
Accident Insurance
With Expanded Benefits

On- or off- the job including a
disability income plus an optional

An accident can wreak havoc on
your savings if you're not prepared.  
That's why there's
.  It gives you a cushion
help cover medical expenses
and living cost when you get hurt

On average there are 11
unintentional-injury deaths and
about 2,330 disabling injuries every
hour during the course of a year.*

Accident insurance can pay you a
lump sum benefit for
on-or off- the-
job accidental injuries
, plus some
medical benefits.  Because
accident insurance is
supplemental, it works in addition
to other insurance you may have.  
You can use the policy on its own
or to fill a gap left by your other

  • Benefits paid directly to you
    unless assigned
  • Benefits paid regardless of the
  • Coverage for you, or you and
    your family
  • Guaranteed renewable to age
    70, subject to change in
    premiums by class

Would your finances survive an
accidental injury?

For more information on what
DIRECT can do for your
Please contact me by clicking

*  Injury Facts, National Safety Council, 2003.

We offer a wide array of life
insurance products that can
protect your business from
the death of an owner or a
key employee.  We can
work with you to help
assure that your business
remains financially secure
and that a smooth transition
of control and ownership
takes place.

Our Services

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All these services are
available to you and your
business employees.  With
the one of the Nation's  
Leading Insurance
Company we're able to
provide you the best
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Click above on the
Insurance Product you're
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