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Auto Insurance

When you buy an auto insurance policy, you are actually buying a package of individual coverages. Each type of coverage protects you against different types of losses. Once you understand the various coverages, you can decide which ones to include in your personal insurance package (your policy). You can also determine the limits of coverage you will need. The following are the common coverages found in an auto policy.
NOTE - Your policy may not contain all of these coverages.

Bodily Injury (BI) Liability Coverage pays, up to the coverage limits, for damages due to injury or death of others in a vehicle accident for which you or the operator of your vehicle are legally responsible. It also pays your legal defense costs. In most states this coverage is mandatory.

Property Damage (PD) Liability Coverage pays, up to the coverage limits, for another individual’s vehicle or property that has been damaged in an accident for which you or the operator of your vehicle is legally responsible. In most states this coverage is also mandatory.

Excess Medical Payments Coverage pays, up to the coverage limits, for reasonable and necessary doctor, hospital and funeral expenses (not otherwise collectable from a medical or health insurance plan) for you and your passengers injured or killed in an accident, regardless of who is at fault. Payments are usually limited to one to three years after the accident. This coverage is optional in most states without no-fault insurance systems.

Uninsured/Under-insured Motorists (UM/UIM) Coverage pays, up to the coverage limits, for pain and suffering which is not covered by medical, disability and PIP.  Covers injuries to occupants of your vehicle if the driver of the other vehicle in an accident is legally liable but uninsured.  Restrictions may apply.

Under-insured motorist coverage pays, up to the coverage limits, for bodily injury to you or your family resulting from the negligence of someone whose liability insurance limits are insufficient. The definition of an under-insured motorist varies from state to state and restrictions may apply.

Collision Coverage pays, up to the coverage limits minus a deductible, for damage to your vehicle caused by a collision or rollover. This coverage is usually required by the lienholder if you have a vehicle loan.

Comprehensive Physical Damage Coverage pays, up to the coverage limits minus a deductible, for damage to your vehicle resulting from theft, fire, vandalism, flooding, hail or other perils (but not damage by collision or overturning). This coverage is usually required by the lienholder if you have a vehicle loan.

Rental Reimbursement pays up to a specified amount for rental vehicle charges while your vehicle is being repaired for damage covered under your policy. If you prefer not to incur the entire cost of renting a vehicle yourself and cannot be without a vehicle while yours is being repaired, you might consider this coverage.

Towing and Labor covers some costs incurred for services rendered at the place of breakdown or for towing to a repair shop. It covers the delivery of gas, oil or a battery, but not the cost of these items. If you lock the keys in the vehicle or need a tire changed, this may also be covered. These services are often included in auto club memberships, which can result in unnecessary duplicate coverage.

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