Auto
Insurance
Because
you want the best value for your money, in some circumstances it
may make sense to purchase an item over the phone, through the
mail, or on your personal computer. But, not always!
Without the right insurance protection, you and your family might
not be able to pay for necessary medical treatments, car repairs,
legal fees, and other costs that come with being involved in an
accident whether you're at fault or not!
When you choose CIS Insurance Services, you get a professional
agent who lives and works in your community, who understands your
financial needs. Your local CIS Insurance agent will meet with you
personally to help you make sure your family's insurance protection
has the right features for you, so that you're protected when you
need it most!
Better
Value Means Money Saving Features
Rental
Car Coverage
You
decide if you need rental car coverage included in your policy and
at what level. Your CIS Insurance agent will show you the many
differences available and help you decide what best fits your
situation.
One
Deductible for Multiple Losses
Many
insurance carriers have a Common Cause of Loss Deductible which
allows you to pay one deductible even if more than one item is
damaged or destroyed by a single event.
Comprehensive
and Collision Deductibles
With
CIS Insurance Service, you decide what deductible will suit your
needs best, and your CIS Insurance agent will help you determine
what level works best for your situation.
Other
valuable, innovative features:
- Good student discounts
- Passive restraint discounts
- Ticket-Free discounts
- Special rates for drivers age 45 and over
- No deductible for windshield repair
Superior Service Means Better Value
- Multiple Policy Discounts - Choose CIS Insurance Service for your auto, home, and life insurance and you'll receive a special discount on qualifying auto and home premiums. It's our way of rewarding customers who trust CIS Insurance Services with all three insurance needs.
- Fast, Efficient Claim Service - Report claims toll-free, 24-hours a day, 7 days a week.
CIS Insurance Services Offers a Full Line of Coverages
- Liability - Pays for damages due to bodily injury and/or property damage from a covered loss for which an insured is legally liable. This coverage includes defending you in a lawsuit, bail bond expense, attorney fees, and medical first aid at the accident scene.
- Medical Payments - Pays for reasonable and necessary medical expenses arising out of an accident up to the limit purchased per person.
- Personal Injury Protection - Pays for reasonable and necessary medical and lost wages arising out of a covered accident up to the limit purchased per person.
- Comprehensive - Pays for loss or damage to your insured car by a covered loss other than a collision or upset. This includes but is not limited to: theft, fire, missiles, falling objects, larceny, explosion, windstorm, hail, water, vandalism or malicious mischief, riot, impact with animals, and glass breakage.
- Collision - Pays for damage to your insured car resulting from a collision or upset.
- Towing and Labor - Pays towing and labor costs incurred each time your insured car is disabled. Labor costs at the place of disablement are covered.
- Rental Reimbursement - Pays up to $25 per day rental expense while your car is being repaired due to a covered loss for up to 30 days. Higher limits are available. If the loss occurs more than 50 miles from home, extra expenses incurred for meals, lodging, and transportation fares to return to your home or your destination are covered.
- Uninsured Motorist - Pays for damages for bodily injury to an insured person caused by a motor vehicle driven by a legally liable, but uninsured or unknown (hit and run) driver.
- Underinsured Motor Vehicle - This coverage applies when your bodily injury is caused by an underinsured motor vehicle, as defined in the policy.
- Accidental Death, Dismemberment, Disability - Pays up to a specified amount for death, loss of limbs, loss of sight and certain other injuries to designated person(s) resulting from a car accident.
- Work Loss Coverage - Pays designated person(s) up to 85% of earnings lost because of auto accident injuries subject to certain maximum limits shown in the policy.
- OEM Coverage Endorsement - Pays for Original Equipment Manufacturer (OEM) parts, when replacement parts are required, due to a covered accident. Plus, for insured vehicles less than one year old, or with less than 15,000 miles, which are involved in a covered loss, the vehicle will be declared a total loss at only 25% damage, and pays the lesser of either the original purchase price or the replacement cost of a comparable vehicle.
- GAP, Guaranteed Asset Protection Endorsement - Pays the difference between the loan balance (excluding incidental amounts rolled into the loan, which are not directly related to the base purchase price of the vehicle, such as additional warranties) and the actual cash value of the car, when the vehicle is declared a total loss as the result of a covered accident.