<< Return to Insurance Services

Auto Insurance

Bodily Injury Liability: This coverage applies to injuries that you, the designated driver or policyholder, cause to someone else. It’s very important to have enough Liability Insurance because if you are involved in a serious accident, you may be sued for a large sum of money. Definitely consider buying more than the state-required minimum to protect assets such as your home and savings.

Medical Payments: This coverage pays for the treatment of injuries to the driver and passengers of the policyholder’s car.

Property Damage Liability: This coverage pays for damage you (or someone driving the car with your permission) may cause to someone else’s property. Usually, this means damage to someone else’s car, but it also includes damage to lamp posts, telephone poles, fences, buildings, or other structures your vehicle hits.

Collision: This coverage pays for damage to your car resulting from a collision with another car or object. It also covers damage caused by potholes. Collision Coverage is generally sold with a deductible of $250 to $1,000 — the higher your deductible, the lower your premium. Even if you are at fault for the accident, your Collision Coverage will reimburse you for the costs of repairing your car, minus the deductible.

Comprehensive: This coverage reimburses you for loss due to theft or damage caused by something other than a collision with another car or object, such as fire, falling objects, missiles, explosion, earthquake, windstorm, hail, flood, vandalism, riot, or contact with animals such as birds or deer. Comprehensive Insurance is usually sold with a $100 to $500 deductible, although you may want to opt for a higher deductible as a way of lowering your premium. Comprehensive Insurance will also reimburse you if your windshield is cracked or shattered.

Uninsured And Underinsured Motorist Coverage: This coverage will reimburse you, a member of your family, or a designated driver for bodily injury if one of you is hit by an uninsured or hit-and-run driver. Underinsured motorist coverage comes into play when an at-fault driver has insufficient insurance to pay for your total loss.

Uninsured Motorist Property Damage Coverage: This coverage will reimburse you, a member of your family, or a designated driver for damage to your property if caused by an uninsured driver.

Comprehensive Increase Transportation Expenses: This coverage reimburses the insured for rental of a substitute vehicle because of the disablement of an owned private passenger automobile caused by a Collision or Comprehensive loss.

Roadside Rescue (Towing): Roadside Rescue Service provides you with the necessary assistance when you need a tow, run out of gas, get locked out of your vehicle, or have a flat tire.

Disclaimer: This information is designed to give you a basic description of coverage and does not include all of the exclusions, conditions, or limitations of the policy. Contact your Insurance agent for an explanation of the exact terms of the contract.