6790 GROVER ST, STE 200

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CRAIG L. KELLEY

• 6790 GROVER ST, STE 200
• OMAHA NE 68106
• 402-391-4000
• 800-642-1242

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INSURANCE

• LIABILITY DAMAGE TO OTHERS
• MEDICAL PAYMENTS
• UNINSURANCE
• UNDERINSURANCE
• COLLISION
• COMPREHENSIVE
• UMBRELLA

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LIABILITY

• This coverage pays damages due to bodily injury
  and property damage to others for which you are
  responsible. If you are sued, it also pays your
  defense and court costs. Medical expenses, pain
  and suffering, and lost wages are some examples
  of bodily injury damages. Property damage
  includes damage to property and loss of its use.

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MEDICAL PAYMENTS

• This coverage pays medical and funeral expenses
  for bodily injury to a covered person sustained
  in a car accident. Medical expenses must be
  reasonable, necessary, and for services furnished
  within a mandated time after the accident.
• This coverage will make payments for you and your
  passenger.

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UNINSURANCE

• Uninsured Motor Vehicle Coverage pays damages
  when an insured is injured in a car accident
  caused by another person who does not have any
  liability insurance.

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UNDERINSURANCE

• Underinsured Motor Vehicle Coverage pays damages
  when an insured is injured in a car accident
  caused by another person who has liability
  insurance, but whose available limits are less
  than the amount of the insureds damages.

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COLLISION

• This coverage pays for a covered vehicle that is
  damaged by collision with another object or car,
  or that is damages while parked. A deductible is
  normally required.

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COMPREHENSIVE

• This coverage pays for a covered car that is
  stolen or damaged by causes other than collision.
  For example, damage caused by fire, wind, hail,
  or glass breakage is covered.
• Deductibles may apply here as well.

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Just the Basics

• Most Motorcycle policies include coverage for the
  following standard equipment
  
• The Frame
• The Fork
• Instruments
• Lights
• Handlebars
• Motor
• Mirrors
• Seat
• Wheels

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For a few dollars more!

• Additional Plans add coverage for
• Saddle Bags
• Custom Paint
• Sissy Bar
• Trunk
• Custom Chrome
• Luggage Rack
• Fairing
• Trailer
• Windshield
• Custom Seat
• Radio
• Side Car
• Highway Bars
• Extended Fork
• Tape Player and Tapes
• CD Player and Discs

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DO YOU HAVE ENOUGH?

• Most Motorcycle policies provide coverage for
  Bodily Injury in the amount of 100,000 per
  person and 300,000 per accident.
  
• Minimum 25/50K
• Maximum 250-300/500K
• If youre involved in an accident and the damages
  exceed those amounts, who pays? YOU DO!
  

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Economic Damages

• 1. Medical Bills/Prescriptions
• 2. Lost Wages, Salary, or Profits
• 3. Lost Earning Capacity (Future)
• 4. Funeral costs (Death Case)
• 5. Loss of use of Property
• 6. Repair or Replacement of Property
• 7. Cost of Substitute Household Services

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General Damages

• 1. Pain Suffering past AND future
• 2. Inconvenience to Injured Party
• 3. Loss of Society, comfort Companionship (
  in death cases)
  
• 4. Loss to Injured Partys Reputation
• 5. Loss of Consortium/Alienation of Affection
  (spousal claim)

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UMBRELLA

• Your basic insurance only provides ordinary
  liability coverage ... a personal Liability
  Umbrella Policy may provide the extraordinary
  protection needed today .

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Personal Liability Umbrella

• An inexpensive way to expand your Liability
  Protection is with a Personal Liability Umbrella
  policy.
  

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A Million Reasons!

• A 1 Million Umbrella extending over 1 Home, 2
  Vehicles and 1 Motorcycle would cost about
  160.00 per year.

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It could NEVER happen to me

• Equally important is Uninsured and Underinsured
  Motorist coverage. The limits you have are
  restricted by the amount of Bodily Injury
  coverage you carry.
• If you were hit by an uninsured driver, and could
  never walk again, would YOU accept 100,000 as
  proper compensation?

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Not just for Rainy Days

• The good news is that Umbrella policys can also
  be endorsed to extend over your Uninsured and
  Underinsured Motorist Protection!
  
• Youre worth just as much as the next guy, now
  your Umbrella policy can make sure of it!

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Insurance Coverage Comparison
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Now how much would you pay?

• Based on a typical home, 2 vehicles and 1
  Motorcycle
  
• A 6 Increase in premium equals a 1,000,000
  increase in coverage!

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CRAIG L. KELLEY

• 6790 GROVER ST, STE 200
• OMAHA NE 68106
• 402-391-4000
• 800-642-1242