Auto Insurance
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Accidents happen, even to the most careful drivers.
What are the basic coverages of a car insurance policy?
Bodily injury liability coverage – defends you and pays for bodily injury or death resulting from an accident for which you are at fault.
Property damage liability coverage – defends and protects you if your car accidentally damages another person’s property.
Medical payments, no-fault or personal injury coverage – pays a limited amount for the medical expenses of the driver and passengers in your car incurred as a result of a covered accident, regardless of fault.
Uninsured motorist coverage – pays for your injuries and certain property damage caused by an uninsured or a hit-and-run driver. In some cases, underinsured motorist coverage is also included. This is for cases in which the at-fault driver has insufficient insurance.
Other than collision – pays for damage to your car from theft, vandalism, flood, fire, and other covered perils.
Collision coverage – pays for damage to your car when it hits or is hit by another object.
Other car insurance coverages available include:
- Towing and labor
- Car rental reimbursement
- Gap coverage
- Roadside assistance
- Use of Personal Vehicles
