Car Insurance
Why should you choose Dawit Insurance Agency?
Our agency offers personalized superior service that is client-focused. At Dawit Insurance Agency Limited, we ensure that the insurance carriers keep the promise to indemnify our clients. We deliver the promise by offering assistance on filing insurance claims, identifying and verifying important issues to be addressed such as policy excess, terms and exclusions. We do this in a cordial, fast and transparent manner.
A Visualization of Risk and Solutions
Bodily Injury Liability Coverage
Risk Factor
It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.
Solution
Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.
Property Damage Coverage
Risk Factor
When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else’s property. Usually this means damage to someone else’s car, but it can really be any property damaged by your vehicle.
Solution
Property damage coverage protects you if your car damages someone else's property, such as another car, a fence, or building front. When choosing your property damage liability limits, you should consider all of your assets, including your home and future earnings because if you don't have enough coverage to protect all of your assets, those assets could be at risk if you're liable for damages that exceed your coverage limit. Consider having a higher limit of liability coverage – it may help you avoid having to pay out-of-pocket after an at-fault accident.
Medical Payments Coverage
Risk Factor
Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it’s not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health care plan.
Solution
Medical payments coverage can help cover all reasonable medical expenses and funeral expenses of covered drivers and passengers after an accident, regardless of fault. In most states, it's an optional addition to your car insurance policy.
Uninsured / Underinsured Motorist Damage Coverage
Risk Factor
What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, takes off? According to the Insurance Research Council, this happens more than you might expect. In fact, it is estimated that one in seven drivers go uninsured, leaving you to pay out-of-pocket for damages and medical expenses not covered by the other driver.
Solution
Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.
Physical Damage Coverage
Risk Factor
Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.
Solution
Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.
Transportation Expenses / Rental Coverage
Risk Factor
When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.
Solution
Transportation expenses/rental coverage is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.
Use the yellow hot spots and explore how motor insurance can help protect against common risks.
Claiming
In the uneventful case where you suffer risk, this is what happens
Dawit Insurance Agency
At Dawit, we differentiate ourselves by walking with you during the claiming process. We believe all legitimate claims need to be paid quickly and fairly. We’ll guide you through the required documentation. Notify us as soon as you notify the police. Take some photos for proof.
You
In the event where your vehicle is involved in an accident or gets stolen the first immediate action is to seek medical care in case of injury. The second thing is to notify the authorities and obtain a police abstract. Here is a comprehensive guide of the claims process.
View Claiming Guide >>
Our car insurance services have been rated among the best in Kenya. Click on the link below to view our accolades.
A car or truck is often your biggest asset aside from your home. Motor insurance protects against potentially crippling financial losses and the sheer inconvenience of being without transportation
Insure Your Vehicle Today
Comprehensive Motor Vehicle Insurance For All Types Of Automobiles
Interested in Motor Vehicle Insurance
At Dawit Insurance Agency Limited, we specialize in taking care of your most valuable assets by offering a complete suite of risk solutions while keeping a keen eye on our promise.
Remember, not all Motor insurance is created equal. Some auto insurance policies simply meet the legal requirements. In Kenya, this means your auto insurance will cover the damage you cause to Third party persons or property.
Other motor insurance policies go further and protect your car if it is stolen, damaged or destroyed by fire, or damaged in a car accident that doesn’t involve any other vehicles. You can also get policies that protect your car if it is damaged by an uninsured driver.
Talk with us and ensure you have the proper car insurance coverage in place with the right insurance company. You’re in safe hands when you’re with Dawit Insurance Agency.
Utumishi Coop Building, Mamlaka Rd, Off Nyerere rd.
0712 856 447
