Independent Insurance Agents

Basic Coverages

Understanding coverages may help you determine what you need:

Bodily Injury Protection:
Protects you against financial loss if someone is killed or injured by your auto and you are found liable. Your legal expense and court costs would also be included for a covered suit, as would your bail bond expenses.

Property Damage Liability:
Covers you against financial loss if you are found liable for damage to other people's property caused by your auto.

Uninsured Motorist Coverage:
Pays damages for bodily injury or death caused by an uninsured driver or hit-and-run driver who is legally responsible for the accident.

Underinsured Motorist Coverage:
Protects you and passengers in your vehicle. Pays damages for bodily injury or death caused by a driver who is legally responsible for the accident, but does not have enough insurance to pay for those damages.

Personal Injury Protection (No-fault: Reparation Benefits):
Pays benefits for the cost of personal injuries resulting from an automobile accident. This coverage applies without regard to who was at fault in the accident. Personal Injury Protection applies only to injuries to people. It does not cover damage to a car, or to any other property.

Medical Payments (not required in all states):
Pays up to your policy limit for reasonable medical expenses incurred within three years of an accident. Medical Payments Coverage applies to everyone in your auto. It also applies to you, and relatives living in your household who are insured in other automobiles or who are struck by a vehicle. In many states you may choose your own Medical Payments Coverage limit.

Collision:
Pays for the damages to your covered auto (up to the auto's actual cash value) caused by an impact with another vehicle or stationary or moving object. The amount of your deductible will be subtracted from any settlement.

Comprehensive ("Other Than Collision" coverage):
Pays for losses to your covered auto (up to its actual cash value) which are not caused by collision. This includes damage caused by fire, theft, glass breakage,riot, windstorm and hail. The amount of your deductible will be subtracted from any settlement.

Towing and Labor Coverage:
If your car becomes disabled, this coverage pays for towing and labor to repair your car, up to your policy limits.

Rental Car Reimbursement Coverage:
If your car becomes disabled and you need to rent a substitute, this coverage pays the cost of the rental car, up to your policy limits.

The program features or coverage descriptions above are general and for information purposes only. Actual claim coverage in the event of a loss would be determined by your policy's terms and conditions.