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McKenzie Smith Insurance Agency proudly enjoys a reputation for providing quality insurance for many types of automobiles. We truly understand the insurance concerns of the local community, having served those needs for over 20 years. Automobile insurance is a specialty of our company. If you become one of our customers, you will be insured with other drivers with good driving records, thus providing premium savings for you.
Liability Coverage
Liability coverage pays for Bodily Injury and/or Property Damage for which you, any other driving member of your household, or someone who borrows your automobile, becomes legally responsible because of an automobile accident.
In addition to this we will pay you the following:
- Up to $50 per day including lost wages for your appearance at hearings or trials at our insurance companies request.
- Up to $250 for premiums per bail bonds which could be required because of your involvement in an automobile accident or traffic violation.
Medical Payments Coverage
Medical payments coverage will pay for reasonable medical and funeral expenses incurred by you and all passengers in your automobile, or by you and members of your household while occupying an automobile; or as a pedestrian struck by a motor vehicle. This coverage will pay in the absence of any other valid and collectible medical/hospitalization insurance even if the accident is the other person's fault.
Uninsured Motorist Coverage
This insurance acts as a substitute for someone else's liability insurance policy. If you, or members of your household, are injured while in an automobile or as pedestrians by the driver of an uninsured automobile, this insurance pays the claim you would have made against the at fault person. This insurance does provide medical payments coverage but is broader, in that it will pay amounts larger than are normally purchased for medical payments insurance.
Under-insured Motorists Coverage
If you are legally entitled to collect payments for bodily injury damage from another party because of an automobile accident and that party's liability insurance is exhausted because of payments of judgments or settlements, you may collect the unpaid difference of your loss from your own insurance company.
Uninsured Motorist Property Damage Coverage $3,500/ Collision Deductible Waiver
If you have not purchased collision coverage on your automobile and an identified uninsured motorist collides with your automobile, the resulting damage will be paid under your policy up to $3,500. This coverage does not have a deductible. If you have purchased collision coverage on your auto and your auto is damaged by an identified uninsured motorist you will not have to pay your deductible when the repairs have been completed to your auto.
Comprehensive Coverage
This coverage provides you with, just as the name implies, a very broad comprehensive coverage which will pay for damages to your auto from a wide range of damages such as: theft, vandalism, natural disasters, hail, wind, flood, fire, explosion, glass breakage falling objects. Upset and mechanical breakdowns are not covered.
Collision Coverage
This coverage pays for the damage to your auto which results from a collision of your automobile with another object or by the upset of your auto.
- Collision Coverage is only available if comprehensive coverage is also purchased.
- Comprehensive or collision coverage will pay for repair or replacement, up to the actual cash value of your auto minus your deductible.
- Non-factory installed equipment, if any must be declared prior to accident and an additional premium charged in order to provide coverage.
Towing and Roadside Service
This coverage pays for emergency services and/or towing when your auto breaks down. It will pay the labor costs for emergency services but not for the parts needed to repair your auto. The coverage limit is $100.
Your AutoCard 100 coverage provides outstanding Roadside Express Services to get you on your way, just in case you...
- Need a jump-start
- Got locked out of your car
- Have a flat tire that needs changing
- Ran out of gas, fuel, oil or water
- Need mechanical first aid
A reliable crew will be on its way to your rescue - far beyond you local area - anywhere in the U.S. and Canada - day or night.
AutoCard 100 is available exclusively with CIG AUTO Insurance and can be as little as $7.00 per policy term. Must have Comprehensive Coverage to enroll.
Rental Reimbursement Coverage
This coverage provides limited reimbursement for rental fees when an auto is rented from a rental car company as the result of a covered loss. $25 per day, up to a maximum of $750.
Towing and Rental reimbursement may only be purchased in conjunction with the purchase of comprehensive.
Claims Service
Our claims service telephone number is 800-986-9974.
Discounts
- Multi car policy discount 27%
- 20% discount off auto insurance when both home and auto are insured with California Capital Insurance.
- Renewal discount after three years 5%.
- Air bags, passive disabling device, active alarm discounts.
- Good Driver discounts.
Account Billing
The account billing system is a monthly billing. First payment is 20% of total premium. The next four payment are monthly. A $6 billing charge applies. Each payment is 20% or total premium. Payment can be made by check, pay by phone or monthly electronic funds transfer.
If you us monthly electronic funds transfer there will be no monthly $6 billing charge.
Download an application
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