Learn more about car insurance coverage
Liability coverage
Liability covers bodily injury to others and property damage to others if you are at fault in an accident. Bodily injury pays others medical costs. It can also pay injured parties lost wages and your legal expenses. Property damage coverage can also pay for your legal expenses if a lawsuit is brought against you due to an accident.
Comprehensive coverage
Helps pay for damage to your vehicle not caused by collision. Examples include: damage or loss due to theft, vandalism, falling objects, fire, storms, flood and certain other natural disasters.
Collision coverage
Helps pay for damage to your vehicle if you hit another vehicle, another vehicle hits you, or your vehicle rolls over. Collision coverage can be required if your vehicle is financed or leased.
Uninsured/underinsured motorist coverage (UM)
Helps pay for damages to your vehicle if it is damaged in an accident by an underinsured, uninsured or unidentified driver. UM coverage also helps pay your medical costs and your passengers medical costs if an accident caused by an uninsured or underinsured driver results in injury. UM coverage may also be stackable. This means that you can combine the coverage limits for each automobile insured under your policy.
Medical Payments
Helps pay medical costs for you and your passengers in the event of an accident, regardless of who is at fault.
Rental reimbursement
Helps pay for your rental car or other transportation if your car cannot be driven due to an at-fault accident or comprehensive claim.
Towing and labor
Reimburses for towing and roadside assistance charges if an insured vehicle is disabled. Typical services include: battery jump-starting, tire changing and locksmith services.
Personal Injury Protection (PIP)
Eligible injured parties, including passengers, are entitled to reimbursement of 60% of their verifiable wages and 80% of their reasonable and necessary medical expenses incurred as a result of a covered auto accident.
There are many options to choose from, and the above is only a brief description of coverage's that may be available, your policy will ultimately determine the coverage's that you have.
Please contact our office so that we can discuss your options in greater detail. |
