When you purchase an insurance policy for your car, there are some basic coverages that help protect you from financial curves in the road.
Bodily Injury Liability protects you against damages for which you are legally responsible because of a covered auto accident that causes bodily harm, including death, to others.
Property Damage Liability protects you against damages for which you are legally responsible because of a covered auto accident that causes damage to another person’s property.
Medical Payments Coverage pays expenses for necessary medical and funeral services for you, your family or others while riding in a covered vehicle when it is involved in an accident, regardless of who is at fault. Some states offer Personal Injury Protection (no fault) coverages instead of or in addition to Medical Payments Coverage. Personal Injury Protection pays for medical and related expenses for you, your family and other people in your car because of an auto accident that occurs in states that have no-fault insurance laws. This means that you are covered regardless of who is at fault.
Uninsured Motorist Coverage pays for damages arising from bodily injury to you and your resident family members when another driver is legally responsible for the auto accident and does not have bodily injury liability coverage, or their liability limits fall below state minimum requirements.
Underinsured Motorist Coverage pays for damages arising from bodily injury to you and your resident family members when another driver is legally responsible for the auto accident and the at-fault driver has liability limits lower than the Underinsured Motorist Coverage limit on your policy.
Collision Coverage pays for damage to your insured auto when you have a collision with another vehicle or object.
Other Than Collision Coverage pays for accidental direct damage to your insured auto such as fire, theft, vandalism, breakage of glass and more.
Contact your local independent agent for details about these coverages and other options that will help assure that you have a smooth ride.
Coverages described here are in the most general terms and are subject to actual policy conditions and exclusions. For actual coverage wording, conditions and exclusions, refer to the policy or contact your independent agent.