Our friendly bilingual customer service staff is ready to help from 8:00 am to 6:00 pm CST, Monday through Friday and Saturday 10:00 – 2:00 p.m. Policyholders and producers are welcome to call (866) 424-9511 with questions or concerns about billing, and other policy-related issues.
The easiest and quickest way to make a payment is on our online portal. You can also visit your nearest independent agency to submit payment, call us directly at (866) 424-9511 or mail payment to: Bluefire Insurance PO BOX 143249, Irving, TX 75014.
An auto insurance policy can include several different kinds of coverage. Your local agent will provide professional advice on the type and amount of car insurance coverage you should have to meet your individual needs and comply with the laws of your state.
Your premiums are calculated by many different factors in addition to the coverage options you chose. Each state operates differently and each company bases its rates on various factors. Generally, the better your driving record, the lower your premium.
Your cost for auto insurance varies, depending on many factors. Some examples include the type and amount of coverage you purchase, your driving record, the amount of miles you drive, and the number of years you have been driving. Depending on your state’s regulations, other considerations include the ages of the drivers on your policy, gender, and how many miles you drive. Some insurance programs may use your credit history to get a more favorable rate.
The deductible is the amount of the loss for which you are responsible. The deductible can be applied in a number of ways: a specific dollar amount, a percentage of the overall claim, or a specific amount of time that must pass before the claim benefits are paid. Auto insurance deductibles are typically a specific dollar amount.
Liability Coverage – The part of your policy that covers injuries and property damage that you, the insured, caused someone else. Auto Liability Coverage is compulsory in most states. This means you are required to have it in order to drive. State law usually sets the minimum required liability coverage amount. Additional coverage can also be purchased. Auto Liability Coverage does not provide any coverage for damage to you or your property; it only covers someone else (third-party) if you cause the damage. Liability coverage has two separate coverage types: bodily injury and property damage. Making sure you have adequate coverage is very important because your policy will pay up to certain limits only. If the cost of the damage is greater than the policy limits, you will be responsible for the additional costs.
Collision Coverage – The part of your policy that pays for damage to your vehicle when it is damaged from a collision with another vehicle or object.
Comprehensive Coverage – The part of your policy that provides coverage for your car if the damage is caused by something other than a collision with another car (e.g. fire, theft, hail or flood).
Personal Injury Protection (PIP) – The part of your policy that provides payment to you and your passengers to treat injuries that result from an accident.
Uninsured Motorist Coverage – The part of your policy that protects you from uninsured drivers and hit-and-run drivers. This coverage sometimes has separate limits and deductibles. There are two types of coverages for uninsured motorists: :
Uninsured motorist bodily injury (UMBI) pays for injuries to you or your passengers when an uninsured driver is deemed at-fault in an accident.
Uninsured motorist property damage (UMPD) coverage pays for damage if your car is hit by a driver without insurance and, in some states, if you are the victim of a hit-and-run.