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:
This coverage pays benefits for
bodily injury or death caused by an insured driver whose Liability
Insurance limit is insufficient to cover the losses incurred. We pay these
benefits to you and passengers in your vehicle, or to any pedestrian you
injure.
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):
Often included in
Personal Injury Protection Coverage and 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 actual cash value of 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. You may want to consider this
coverage if your auto is seven-years-old or newer.
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.
