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Auto Insurance Coverages
Liability (Bodily Injury And Property Damage)
• Covers damages you cause to others
If you're at fault in an accident, liability covers damages you cause. That could mean damage to other vehicles, property (mailbox, street sign, house, etc.), or even other drivers/passengers injuries. Plus, liability covers you if someone sued you over an accident.
Collision & Comprehensive Coverage
• Covers damage to your vehicle
Collision & Comprehensive coverage are two separate coverages. Collision covers damage that you cause, such as at fault accidents. Comprehensive covers incidents out of your control: theft, vandalism, hitting an animal, fire, acts of nature, and glass damage.
Uninsured & Underinsured Motorist (UMN)
• Covers your injuries and damages
If UMN is split into two coverage sections. One that covers your injuries (bodily Injury) and another that covers your vehicle's damage (property damage). Both kick in if a driver hits you and doesn't have insurance or enough coverage to pay for your losses.
Personal Injury Protection & Medical Payments
• Covers your injuries
CHelps pay for medical costs if you, your passengers, or your family members are injured in an accident. This coverage can be beneficial even if you have health insurance, as there is no deductible you have to meet before we pay out.
Rental Car Reimbursement
• Covers rental car fees
Pays for your rental car fees while your vehicle is being repaired from a covered loss . That means damages we or another insurance company are paying for and does not include situations such as general maintenance.
And Much More
Besides what's listed below we have a much wider range of coverage options available for your auto insurance needs. If you have any questions don't hesitate to contact your local agent to find more.
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