What Are Some Services of Ocean Harbor Insurance?


Quick Answer

Ocean Harbor insurance provides liability coverage, personal injury protection, uninsured motorists coverage, collision and comprehensive plans, according to Pearl Holding Group. It focuses on personal auto insurance policies, including 24-hour roadside assistance.

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Full Answer

The liability coverage comes in two parts: bodily injury liability and property damage liability, states Pearl Holding Group. The former covers legal liability for bodily injury inflicted on others, while the latter covers the damage of properties belonging to others.

The personal injury protection covers a member and his family members for bodily injuries related to auto accidents, without considering fault, explains Pearl Holding Group. Members enjoy 80 percent payment for bodily injuries, 60 percent for income loss and death benefits. Other benefits are replacement of household services that have not been covered under other plans. It excludes injuries from auto accidents to a member or his family in vehicles not specified under the plan and other vehicles that the law requires a member to have a separate cover for.

The uninsured Motorists Coverage covers bodily injuries on a member or his resident relatives caused by negligence of others, states Pearl Holding Group. It comes in when a person at fault has no liability insurance or his insurance cover is inadequate.

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