You can think of auto insurance as helping to serve a few basic needs, and that’s how this information is split up. Plus, you can find some key considerations when selecting the best limits and deductibles for your situation.

 

 

Liability Coverage - Liability coverage typically helps to provide you with peace of mind. Why? Because it helps protect you from covered damage your car does to others…damage for which you are legally liable.

Liability – Who’s typically covered:

Liability – What’s typically covered:

It pays the people you’ve injured for property damage, loss of services, bodily injury, sickness, medical services, disease, loss of income and death.

 

Medical Payments Coverage - Medical Payments Coverage typically helps protect you, covered passengers and covered family members. It provides payment for reasonable and necessary medical treatment for bodily injury caused by a covered accident, regardless of who was at fault. That treatment includes, among other things, x-rays, surgery, ambulance, physicians, hospital, and funeral expenses

 

Underinsured / Uninsured Motorists Coverage - This typically helps cover damages to you caused by another driver who doesn’t have insurance (uninsured) or doesn’t have adequate insurance (underinsured) to cover your damages.

 

Underinsured/Uninsured Motorists Coverage for Bodily Injury will typically protect you, covered passengers, and covered family members for bodily injury resulting from a covered accident caused by an uninsured or underinsured driver, if your limits are higher than those being carried by the person that hit you. 

 

Personal Injury Protection (No Fault) This typically provides coverage for an insured person for certain reasonable and necessary expenses. The types of expenses vary by state. Some examples of typical expenses include: medical and hospital expenses, income continuation, loss of services, funeral expenses, and child care expenses for bodily injury caused by a covered accident, regardless of who was at fault.

 

Supplemental Spousal Liability - An optional coverage that provides bodily injury lialility coverage under an auto insurance policy to cover the liability of an insured spouse because of the death of or injury to his or her spouse, even where the injured spouse must rove the culpable conduct of the insured spouse.

 

 

Collision Coverage - tThis coverage typically pays for damage to your car as a result of a covered accident with another car…or a covered collision with most anything else (e.g. a tree). This coverage provides for the repair or replacement of your insured vehicle, up to the Actual Cash Value of the vehicle. Actual Cash Value takes into account depreciation of your car due to: age, use, and wear and tear.

 

Other than Collision Coverage - typically helps pay for covered damages to your insured car resulting from a peril other than a collision, such as theft, windstorm, flood, or damage caused to your vehicle by hitting an animal, to name a few.