Purchasing auto insurance can get confusing especially if you are not familiar with the terms. We want to help you better understand what it is you are purchasing so that you can get the coverage you need without buying something you don't understand.
Bodily Injury Liability
This covers you in the event of accidental bodily injury to someone else caused by you or someone driving your car. It will provide compensaion for the person(s) you have injured up to the limit of coverage you have chosen.
Property Damage
This benefit covers you in the event of accidental property damage to someone else caused by you or someone driving your vehicle. It will provide payment for repairs to that person's property up to the limit of coverage you have chosen.
Uninsured/Underinsured Motorist Coverage
If you suffer bodily injury in a car accident caused by someone who does not have auto insurance or may not have enough coverage to pay for all of the bodily injury caused to you, this coverage will provide compensation for you up to the limits you have chosen. This covers bodily injury only and does not cover damages to your vehicle.
Medical Payments
This coverage pays for medical, dental, hospital, and funeral expenses for you, household relatives and guest passengers injured in your vehicle at the time of an accident, up to the limits you have chosen.
Comprehensive Coverage
One of the coverages commonly referred to as "full coverage", comprehensive pays for losses or damages to your vehicle caused by fire, theft, vandalism, falling objects, hail, impact with an animal, or flood. If your vehicle is financed or leased this coverage will most likely be required by your finance company to guarantee that your vehicle will be repaired or replaced in the event of a loss. This coverage carries a deductible which is the amount of money you must pay out-of-pocket before insurance applies.
Collison Coverage
Another coverage commonly referred to as "full coverage", collision applies when your vehicle is damaged due to collision with another object(other than animal). If your vehicle is financed or leased this coverage will most likely be required by your finance company to guarantee that your vehicle will be repaired or replaced in the event of a loss. This coverage carries a deductible which is the amount of money you must pay out-of-pocket before insurance applies.
Towing & Labor or Roadside Assistance
This is an optional coverage that pays the cost of having your vehicle towed from an accident scene or due to mechanical failure. It does not cover the cost of parts or repair to your vehicle. Some insurance companies offer this as a limited form of roadside assistance. Roadside assistance covers such things as lockout, fuel delivery, flat tire, and jumpstart. Payment is reimbursed up the the amount according to the limit you purchased.
Rental Reimbursement
If your vehicle is inoperable as the result of a covered loss, this coverage helps pay for the cost of renting a vehicle during the time your car is being repaired. Payment is made according to the limits you have chosen.