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.

Medical Payments

Pays for excess medical costs for you and your family if you are injured in your car, another’s car or as a pedestrian.

Collision

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.

Rental Reimbursement

Pays for costs related to rental of a vehicle if your car is being repaired for a collision or comprehensive loss.

Gap Coverage

 

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