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General Insurance

 

Life with all its wonderful opportunities has its own share of hazards. We spend a lot of money on the important things in our lives. At General Insurance you can find affordable ways to protect the valuables you cherish. Here you will find amazing rates on General Insurance services from the top providers in the nation. General Insurance liability coverage can be found for various seeks areas of hazards including property, enterprise, auto, RV, money lending and various other forms of professional casualties, except the casualty of death.

On the General Insurance site, you will find great General Insurance quotes on:

Auto Insurance

Home Insurance

Mobile Home Insurance

RV Insurance

Motorcycle Insurance

Business Insurance

Contractors Insurance

Health Insurance

Investors Insurance

Landlord Insurance

Property Owner Insurance

And more…

SkyBlue Insurance is an authorized representative for some of the leading General Insurance liability coverage carriers in the nation. Our advanced quote system can deliver you multiple quotes so you can compare and choose the best policy for you in no time. Contact us at 1-8007-771-7758 or visit our General Insurance quote page and request a General Insurance quote for free!

The Authorized Rep!

SkyBlue Insurance as access to insurance information from numerous carriers across the country. You can lose tons of time and energy by contacting multiple General Insurance Services agencies to find the best policy. We have the power to deliver you multiple General Insurance quotes from multiple providers all at once.

Some of the General Insurance Liability carriers we represent include:

                National General

                Foremost Insurance

                Titan Insurance

                The General Insurance

                Anthem Blue Cross

                Blue Shield of America

                Progressive

                Nationwide Insurance

                And more…

Finding great General Insurance services doesn’t have to be difficult. SkyBlue Insurance and General Insurance are here to make things easier. If you’re ready to get the General Insurance Liability coverage you need, give us a call today. Our skilled SkyBlue Insurance agents are standing by to help you find the best insurance policy. Don’t hesitate to give us a call at 1-800-771-7758. You can also go to our site and request a free General Insurance quote to get instant results!

Common General Insurance Terms

Looking for General Insurance Services can be a confusing process. There is a bunch of jargon that gets thrown around that’s specific to the insurance industry. Some of these words may be unfamiliar. Below, we list and define some of the most common terms you’ll encounter when looking for General Insurance Liability coverage.

Additional Interest Insured- the company or person who can be liable for an accident that involves an insured person or vehicle

Anti-Theft Device- a device used to prevent auto theft (including low jack, clubs, kill switches, etc.)

Bodily Injury Liability Coverage (BI)- pays for injuries/death to people involved in the accident other than the insured driver. BI also pays for legal defense costs if you are sued

Comprehensive Coverage- covers damage to your vehicle caused by something other than an accident

Collision Coverage- covers damage caused by a collision

Continuously Insured- means your insurance coverage was in effect at all times without a break or lapse in coverage for any reason

Declarations Page (Dec Page)- this page is provided by your insurance company and lists the following:

  • Types of coverage you have elected
  • Limit for each coverage
  • Cost for each coverage
  • Specified vehicles covered by the policy
  • Types of coverage for each vehicle covered by the policy
  • Other information applicable to the policy

Deductible- the amount you agree to pay out of pocket for damage resulting from a specific loss or accident

Driver Status- people can be added to policies with the following types of driver status:

  • Rated - Actively drive vehicles on the policy
  • Excluded - Not allowed to drive vehicles on the policy and will not be covered under your policy in the event of an accident
  • Listed - Residents of the household who do not drive the vehicles on the policy (such as a roommate)

Full Coverage- often implies that the policy has more than just Liability coverage

Limits-  the most an insurance company will pay for damages or injuries that apply to the coverage

Life Insurance- a financial safety net for your family if you pass away,

Loan/Lease Payoff Coverage- pays the difference between what you owe on your vehicle and what your insurance pays if your vehicle is declared a total loss or stolen and not recovered

Medical Payments (MedPay) Coverage- an optional insurance coverage that pays for reasonable and necessary medical and funeral expenses for covered persons.

Named Insured- the first person in whose name the insurance policy is issued

Personal Injury Protection (PIP) Coverage- a coverage in which the auto insurance company pays the medical, hospital and funeral expenses of the insured person, people in the insured vehicle and pedestrians struck by the insured vehicle

Policy Term- the length of time your policy is active and in force is your policy term

Premium- the amount of money paid to an insurance company in return for insurance protection

Primary Use- how you mainly use your vehicle

Property Damage Liability Coverage (PD)- pays for damage to others' property resulting from the accident. PD also pays for legal defense costs if you are sued

Rental Reimbursement Coverage- provides rental car coverage if you have a claim that is covered under Comprehensive or Collision coverage

SR-22- a document required by the court that demonstrates proof of financial responsibility for persons convicted of certain traffic violations

Uninsured Motorist Coverage (UM)- if a driver or owner of a vehicle does not have insurance and is legally liable for an accident, you can use UM coverage for injuries, including death, that you, your resident relatives, and occupants of your insured vehicle sustain

Underinsured Motorist Coverage (UIM)- if a driver or owner of a vehicle is legally liable for an accident but does not have enough insurance, you can use UIM coverage for injuries, including death, that you, your resident relatives, and occupants of your insured vehicle sustain, up to the limits you select.

By knowing these General Insurance terms, you’ll be extra prepared when it’s time to look for insurance. So give us a call or go online and request a free General Insurance quote now!