Understanding Your Auto Insurance Coverages...
What is......
Bodily Injury Liability: Pays for bodily injury and death to others when you are at fault in an accident.
Property Damage Liability: Pays if your vehicle causes damage to another person's property - a building, a vehicle, a telephone pole, etc.
Uninsured/Underinsured Motorist Coverage : This coverage protects you if injured by an uninsured or underinsured driver. (Note: This coverage varies from state to state.)
Comprehensive: Pays damages if you vehicle is stolen or accidentally damaged by such things as fire, broken glass, falling objects or contact with an animal. This coverage is subject to deductibles and coverage limits.
Collision: Pays when your vehicle is damaged by colliding with another vehicle or object. This coverage is subject to deductibles and coverage limits.
Personal Injury Protection (PIP): A coverage available in no-fault states that provides benefits for medical expenses and other accident-related expenses.
Additional Coverages Available: Towing, rental reimbursement, additional equipment, medical payments, income disability and guest passenger liability. Ask you agent which additional coverages are available in your state.
Note: These explanations are intended to generally describe the coverages available and should not be construed to modify or expand the terms of you policy. Only those coverages noted on your declarations page apply. Coverages vary by state.
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