Auto Insurance Coverages:

Bodily injury liability
Property damage liability
Injuries caused by uninsured/underinsured motorists
Medical payments
Comprehensive damage from events like fire and theft
Collisions with other vehicles or objects

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You can also add our extended transportation expense coverage, repair or replacement collision coverage, towing and labor charges coverage, auto death indemnity, auto loan and lease protection and more.

Liability coverage may include:

Claims for medical expenses, lost wages and pain and suffering
Damage to other vehicles
Damage to others property such as buildings, walls, fences and equipment

Let's face it; if you have an auto accident, the legal costs could be devastating. Liability coverage offers protection against claims, property damage or bodily injury to a third party that you or a member of your household accidentally caused while driving your car. This coverage applies only if the driver is considered legally responsible for the damage.

Uninsured Motorist Coverage covers:

Injury expenses incurred by you, your family members or passengers due to an accident with an uninsured motorist.
This coverage applies even if you are a pedestrian hit by an uninsured motor vehicle.

Underinsured Motorists Coverage helps when the other driver is found legally responsible for an accident but has insufficient car insurance coverage to cover the expenses for injuries to you, your family members or passengers.

Protect your vehicle too

Uninsured Motorists Coverage varies by state. In most states, this coverage applies only to bodily injury. However, in some states you can add uninsured motorist property damage coverage to your policy as well. Make sure to ask one of our representatives about the coverages available in your state.

An Example of Medical Payment Coverage:

Let's say you are injured in an accident where your car slid into a ditch. The result is $2,000 in medical bills. When you called for your auto insurance quote, you selected $1,000 in Medical Payments coverage. If you didn't have health insurance, you could use your Medical Payments coverage, up to the $1,000 limit you selected, to help pay the resulting medical expenses. You would then only be responsible for the remaining $1,000 in medical bills.

Getting Comprehensive Coverage

If you want to protect your vehicle, then you should consider Comprehensive insurance. Comprehensive insurance covers your vehicle for perils other than collision. To protect yourself in the event of a collision, you should consider Collision insurance. If you purchase both Comprehensive coverage and Collision coverage, you will be covering many types of damage to your car.

An Example of Comprehensive Coverage:

You leave your house one morning and realize that your hybrid vehicle has been stolen. Because the loss was due to an incident other than a collision, your Comprehensive coverage would help you.

If you chose a $500 deductible, you would pay the first $500 out of pocket to replace your vehicle. Your Comprehensive coverage would then pay the rest, up to the actual cash value of your stolen vehicle.

Getting Collision Coverage

Collision coverage supplements Comprehensive coverage, which protects your vehicle for incidents other than collision (for example, fire, theft or vandalism). In order to purchase Collision coverage for your vehicle, you must also purchase Comprehensive coverage.

If you have a loan or a lease on your vehicle, you are likely required to purchase both Collision and Comprehensive insurance coverage. If your vehicle is fully paid for, then these coverages are typically optional.

An Example of Collision Coverage in Action:

You're driving down the street and accidentally hit the car in front of you. Your Liability insurance would cover the damage to the other driver's car. Your Collision insurance would cover the damage done to your vehicle, because this was an accident in which you collided with another vehicle.

If you selected a $250 deductible, you would only have to pay the first $250 out-of-pocket to have your vehicle repaired or replaced if necessary, depending on the damage.

Auto Insurance Additional Coverages:

Towing and labor: pays for towing and labor costs incurred each time your covered auto is disabled. The labor must be performed at the place of disablement. Make sure to ask your representative about the limits for this coverage.

Extended Transportation Expenses: pays for a rental car if your car is damaged in a situation that is covered by comprehensive or collision coverage, and if your car is out of commission for more than 24 hours.

CD/DVD coverage: pays up to a certain amount for loss of CDs/DVDs used with your car's stereo equipment, as long as they are in your car at the time of loss.

Death Indemnity Coverage: will pay a specified amount in event of death of an insured, as a direct result of an auto accident. The payment will be made to a designated beneficiary.

Auto Insurance Deductibles:

Your auto insurance deductible is the amount you have to pay out of pocket when you make a claim. Unlike limit of liability, generally, the higher your deductible, the lower your premium. When deciding what deductibles are right for you, you should determine how much money you are comfortable paying out of pocket in the event of an accident. In general, deductibles range from $250 to $1500.

For more detailed information and guidelines check the Auto Policy Definitions page.

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