Summary of coverages
Auto insurance protects you and your family in all kinds of situations involving a vehicle. A good way to know which coverages you have purchased is to check your policy Declarations under "Coverage."
Automobile Liability Insurance can help protect your assets.
If you are at fault in an accident, you could be held legally responsible for injury or damage caused by the accident. All drivers are required by law to have both of these liability coverages:
Bodily Injury Liability - helps protect you from paying medical costs, loss of income and funeral expenses of other people involved in an accident.
Property Damage Liability - helps protect you from paying for the repair or replacement of another driver's car.
There's a coverage available to protect you from drivers with no insurance.
Sure, you have car insurance. But there are a lot of other drivers out there who don't. What if one of them crashes into you?
Uninsured/Underinsured Motorist Coverage can help.
It's divided into two parts:
Bodily Injury - Coverage includes your injuries or death, or those of your passengers of family members driving your car if it's hit by a driver with little or no insurance.
Property Damage - Coverage includes damage to your car or property if you're hit by a driver with little or no insurance ( Not available in all states.)
There's a coverage that can also help pay for your injuries from accident.
If you're in an accident, whether it's your fault or someone else's, paying for medicare can be a concern. That's where Medical Payments Coverages comes in. In some states, this coverage maybe known as Personal Injury Protection and may comver additional expenses such as loss of wages while you're recovering from an accident.
Automobile Medical Payments - coverage can help pay for some of your medical costs or funeral expenses if you or anyone in your vehicle is injured in an accident.
What about damage to your car?
If you crash your car, your car insurance can help to repair or replace it so you can get back on the road again quickly. There are two types of coverages to consider.
Collision Coverage - pays for damage to your car if you collide with another car or something else such as a building, bridge or tree. If someone hits your parked car, this is considered a collision as well.
Comprehensive Coverage - pays for damage or loss to your car caused by something other than a collision such as theft, fire, vandalism, windstorm or hitting an animal.
For each of these coverages, you may be responsible for the deductible amount you've selected.
There are other coverages you can buy to protect your car.
Towing and Labor Costs -reimburse you for towing and basic roadside-assistance expenses if you're stranded on the road.
Rental Reimbursement -repays you for the cost of renting a car while yours is in the shop being repaired due to a covered accident--up to 30 days.
Sound System Coverage - protects your investment from theft or damage if you've installed a high-end sound system in your car. Check with your insurance porvider to see if your system qualifies.
Auto Coverage at a glance.
The chart below summarizes key auto insurance coverages.
Your policy Declarations shows the coverages you've chosen, along with deductibles and limits--which is the maximum amount the insurance company will pay.
