Black Sheep Insurance Services

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(323) 293-3624Call Visit WebsiteVisit Website Map & DirectionsDirections3886 Crenshaw BlvdLos Angeles, CA 90008 Write a ReviewWrite Review

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Hours

Regular Hours

Fri:	9:00 am - 5:00 pm

Black Sheep Insurance Services

Motor Vehicle

Auto Insurance
Before the 1950's, if you wanted to purchase all the coverage today’s auto insurance policy provides, you would have had to purchase at least four separate policies. Changes in the laws that regulate the sale of insurance now allow the insurance industry to sell policies that combine the separate parts into one all-encompassing policy. The main advantages of combining the parts are lower expenses, and therefore a lower cost to consumers, and the convenience of being able to purchase property, auto liability and other types of coverage in a single policy. Part A of an auto policy is liability coverage that protects you from lawsuits arising from either negligent operation or ownership of a covered automobile. There are two types of coverage in Part A - bodily injury liability (BIL) and property damage liability (PDL). BIL covers the bodily injury claims of people you negligently injure in an accident. PDL covers any third party property damage claims the courts determine you must pay. Part B provides medical payments to you and any other passengers in the car in an accident. Part C provides uninsured motorist and underinsured motorist protection for the policyowner. Both B and C are designed to compensate you when the negligent driver doesn’t have enough liability insurance under his/her policy. Typically, Part C covers only bodily injury losses, but property damage losses are included in some states. Part D covers damages to your car when it is involved in an accident.

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