Personal Automobile Listing of Coverage

 

Liability Coverage

 

Liability coverage provides you with financial responsibility. Why? Because it helps protect you from covered damage your car does to others…damage for which you are legally liable.

Liability – Who’s typically covered:

  • Yourself, family members and relatives who live with you when (1) driving your car or (2) driving other cars with that vehicle owner’s permission.
  • Others driving your car when you have given permission.

Liability – What’s typically covered:

  • It pays for legal defense costs, cost of bail bonds, and emergency first aid to others caused by you (and those covered by the policy).
  • It pays the people you’ve injured for property damage, loss of services, bodily injury, sickness, medical services, disease, loss of income and death.

 

Medical Payments Coverage

 

Medical Payments Coverage protects you, covered passengers and covered family members. It provides payment for medical treatment for bodily injury caused by a covered accident, regardless of who was at fault. That treatment includes, among other things, x-rays, surgery, ambulance, physicians, hospital, and funeral expenses.

 

Underinsured/Uninsured Motorists Coverage

 

This covers damages to you and your property caused by another driver who doesn’t have insurance (uninsured) or doesn’t have adequate insurance (underinsured) to cover your damages.

  • Underinsured/Uninsured Motorists Coverage for Bodily Injury protects you, covered passengers, and covered family members for bodily injury resulting from a covered accident caused by an uninsured or underinsured driver.
  • Uninsured Motorists Coverage for Property Damage pays for covered damage to your insured car caused by an uninsured auto.

 

Personal Injury Protection

 

This provides coverage for an insured person for certain reasonable and necessary expenses. Some examples of typical expenses include: medical and hospital expenses, income continuation, loss of services, funeral expenses, and child care expenses for bodily injury caused by a covered accident, regardless of who was at fault. It’s only available in certain states.

 

 

Property Coverage For Your Car

 

Collision Coverage

 

This pays for damage to your car as a result of a covered accident with another car…or a covered collision with most anything else (e.g. a fire hydrant). This coverage provides for the repair or replacement of your insured vehicle, up to the Actual Cash Value of the vehicle. Actual Cash Value takes into account depreciation of your car due to: age, use, and wear and tear.

 

Comprehensive Coverage

 

This covers damage to your insured car not caused by collision (a covered accident with another car). This coverage typically includes, among other things, damage caused by falling objects, fire, theft and vandalism, explosion, earthquake and more.

 

Limits and Deductibles

 

Limits and Deductibles are decided upon when you choose your coverage.

A Coverage Limit determines the most an insurance company will pay for a covered loss under a particular coverage. Some limits apply to each person, and others apply to each occurrence.

The higher you set your coverage limit…the higher your rates, but the greater amount of protection you have.

The Deductible is the amount of the loss you’ve agreed to pay out of your own pocket before an insurance company will pay for a covered loss.

The higher you set your deductible…the lower your rates, but the more you’ll have to pay out of your own pocket.

 

Other Options

 

Towing & Labor Costs*
This coverage will typically reimburse you (up to the applicable limit) for your necessary towing charges should your insured car become disabled.

Rental Reimbursement*
If your car’s being serviced or repaired due to a covered loss, you don’t have to be without transportation. This coverage typically will reimburse for your costs of renting a car from a rental agency or garage – up to your coverage limits.