Insurance
Products
 Auto
Insurance
What are my
coverage options?
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. Or, find Motorcycle Coverage details.
Protect
yourself and your family*
Protect
your car*
- Collision
Coverage – typically helps pay
to repair or replace your insured car
after a covered accident.
- Comprehensive
Coverage – typically helps pay
for covered damages to your insured car
resulting from a peril other than a
collision, such as theft, windstorm or
flood, to name a few.
- Find out more
about limits and
deductibles. And, finally there are
even more options to help you tailor
your coverage.
- Now it’s
time to get
a quote!
What are my coverage options?
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:
- You, family
members or relatives who live with you
when (1) driving your car or (2) driving
other cars with that vehicle owner’s
permission.
- Other people
driving your car when you’ve given
them permission.
Liability –
What’s typically covered:
- It pays for
you (and those covered by the policy) for
legal defense costs, cost of bail bonds,
and emergency first aid to others.
- It pays the
people you’ve injured for property
damage, loss of services, bodily injury,
sickness, medical services, disease, loss
of income and death.
What
are my coverage options? 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.
What are my coverage
options?
Underinsured/Uninsured
Motorists Coverage
This typically
helps cover damages to you and your property (the
property damage coverage is not available in all
states, including New York) 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.
- Uninsured
Motorists Coverage for Property Damage
(if applicable in your state) will
typically pay for covered damage to your
insured car caused by an uninsured auto.
What
are my coverage options? Personal
Injury Protection
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. It’s
only available in certain states.
What
are my coverage options? Collision Coverage
This
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.
What
are my coverage options? Comprehensive
Coverage
Comprehensive
Coverage typically covers damage to your insured
car not caused by collision (a covered accident
with another car). This coverage typically
includes, among other things, damage caused by
falling objects, fire, theft and vandalism,
explosion, earthquake and more.
What are my coverage
options? Limits and
Deductibles
Within certain
constraints, you set Limits and Deductibles
when deciding your coverage.
- A Coverage
Limit determines the most an
insurance company will pay for a covered
loss under a particular coverage. Some
limits apply to each person, and others
apply to each occurrence. Keep the
different limits in mind as you make your
coverage choices.
You can help
tailor your coverage to help fit your particular
needs. Here are some of those options.
- Towing
& Labor Costs*
This coverage will typically
reimburse you (up to the applicable limit)
for your necessary towing charges should
your insured car become disabled.
- Rental
Reimbursement*
If your car’s being
serviced or repaired due to a covered
loss, you don’t have to be without
transportation. This coverage typically
will reimburse for your costs of renting
a car from a rental agency or garage
– up to your coverage limits.
- Tape/CD
Coverage*
If you often carry a
collection of tapes or CDs in your car,
you might want to opt for this coverage.
It typically will pay to replace your
tapes or CDs should they be damaged in or
stolen from your insured car as a result
of a covered comprehensive loss.
- Sound
System*
Are you concerned about
protection for damage to your car stereo?
If so, ask your agent about the Sound
System coverage to protect your
investment.
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