Personal Auto Coverages
Bodily Injury Liability Coverage
Protects you when your vehicle causes physical harm and injury to other people and they sue you. Defense and legal costs are also provided at no extra charge to protect you when you are sued for covered situations.
Property Damage Liability Coverage
Protects you when your vehicle causes physical damage and/or loss of use to the property of other people. Other property could include such items as vehicles, houses, fences, etc. Defense and legal costs are also provided under this coverage to protect you when you are sued for covered claims.
Medical Payments Coverage
This coverage can pay for medical expenses for you and your passengers who do not have health insurance coverage. Check with your agent for the per person limits available.
Uninsured Motorist Coverage
Protects YOU when You are injured in a motor vehicle accident caused by someone who does not have insurance.
Underinsured Motorist Coverage
Protects YOU when you are injured in a separate accident caused by someone else who has insurance ... but not enough to pay for your injury. You should consider purchasing the same limits as your Bodily Injury and Uninsured Motorists coverages.
Collision Coverage
This coverage pays for the damage to your vehicle caused when you hit another vehicle or object or another vehicle hits you. It covers you whether you are at fault or notThis coverage is always subject to a "deductible". Talk to your agent regarding available deductible options.
Comprehensive Coverage
This coverage pays for the damage to your vehicle caused by situations other than collision. Some "usual" comprehensive losses are flood, fire, theft and glass. Always talk to your agent regarding which deductible options are right for you.
Substitute transportation/rental reimbursement
This coverage pays you a certain amount per day for a certain length of time for "alternate transportation" necessary when Your Auto is inoperable due to a covered collision or comprehensive claim
Towing
This inexpensive coverage pays you when your vehicle needs to be towed or have some work done "on the road" such as change a flat tire.
