Below are the Major Components of Auto Insurance Coverage
Bodily Injury Liability
Pays for the injuries for the people in the “other” car.
Property Damage Liability
Pays for property damage that you caused with your automobile.
Uninsured Motorist Coverage
Pays for the injuries of you and the people in your car if you are involved in an accident with an uninsured motorist.
Underinsured Motorist Coverage
Pays for the injuries of you and the other people in your car if you are involved in an accident with an underinsured motorist.
Pays for excess medical costs for you and your family if you are injured in your car, another’s car or as a pedestrian.
After your deductible it pays for your vehicle’s damage if you caused the accident, if you are involved in an accident involving an uninsured motorist or if you are the victim of a hit and run driver.
Comprehensive or Other Than Collision
Pays for damage to your vehicle for reasons other than collision. Examples: Hail, storm, vandalism, theft, flying debris, collision with wildlife….
Towing or Emergency Road Service
Pays for towing your vehicle. Can also provide emergency road service such as locking you keys in the vehicle, flat tires, etc.
Pays for costs related to rental of a vehicle if your car is being repaired for a collision or comprehensive loss.