is to provide protection to the auto(s) you own and to third parties. Your auto insurance is a package of four primary coverages. These coverages make up a standard auto policy. Each of these coverages has its own separate premium. Your premium payment is the total of these separate premiums. Auto insurance is purchased on a 12 month period.
Bodily Injury Liability
provides protection if you injure someone while operating your car. The standard limit on Guam mandated by Public Law 20-216 is $25,000 each person and $50,000 per accident.
Property Damage Liability
protects you if your car damages someone else's property. The standard limit on Guam mandated by Public Law 20-216 is $20,000 per accident.
Comprehensive Physical Damage Coverage
pays for losses resulting from incidents other than collision. As an example, comprehensive insurance covers damage to your auto if it is stolen; or damaged by fire, vandalism or animals. This coverage has a deductible. Deductible is an amount that you pay out of your pocket. The higher your deductible, the lower your premium will be.
pays for damage to your auto when your auto hits, or is hit by, another vehicle or object. This coverage has a deductible. In addition to the primary coverages, for additional premiums, you can add on other coverages.
will pay for the medical expenses of the injured driver and passengers in your car.
Uninsured Motorists Coverage
will pay for your injuries caused by a driver that does not have auto insurance coverage.
Loss of Use Coverage (Rental Reimbursement)
will pay for a rental vehicle incurred in an amount not exceeding $40.00 per day (maximum of $1200) when your auto is out of commission after a loss under comprehensive or collision covered by your auto insurance.
Typhoon, Windstorm, Hurricane, Flood or Tidal Wave
pays for damage to your auto caused by these perils for an additional premium.
We also provide additional coverage for your auto at no cost to you.
- Free Lockout Service
- Free Tire Change Service
- Free Out of Gas Delivery
- Free Jump Start
- Free One Way Transport
- Free Diagnosis
- Discounted Towing, Mechanical Service & Parts