Insurance
Personal Automobile Insurance
The vehicle you depend on should have the coverage you can count on. Even the most careful drivers can cause an accident, and they don’t even have to be 100 percent at fault to be financially liable for injuries and property damage.
Here is an overview of the key coverage that should be included in
your auto policy:
Bodily Injury Coverage
Pays claims in the event you’re responsible for an accident in which someone is injured
Property Damage Coverage
Pays claims for damage your vehicle causes to someone else’s property, such as someone’s car, mailbox, or a fence on someone’s land.
Collision Coverage
Pays for damage to your car if it hits another vehicle or object, or if your car rolls over, no matter who causes the accident.
Comprehensive Coverage
Pays for damage to your car caused by something other than a collision, such as theft, vandalism, fire, flood, and hail.
New Car Replacement
If you total your new car within one year of purchase or during the first 15,000 miles—whichever comes first—you get the full cost of the new car with no deduction for depreciation.
Major Parts Replacement
Replace certain major parts—like tire, brakes, and batteries–no matter what their wear-and-tear/depreciated value at the time of the accident.
Medical Payments
This covers costs of doctors, hospitals and funeral expenses, for you, your resident relatives, and/or your passengers, resulting from a covered accident,
regardless of who was at fault. You’ll also be protected when you drive another person’s car (with permission) or if a vehicle strikes you or family members, like pedestrians. In some states, Medical Payments Coverage is called Personal Injury Protection and may pay for lost wages and replacement services for an injured party.
Uninsured Motorists (UM)
Pays the cost of damages and injuries resulting from being hit by an uninsured driver or by a hit-and-run driver. It also provides coverage if an uninsured driver strikes you or family members as pedestrians. Coverage for both you and your passengers include medical expenses, lost wages, and other injury-related losses.
Underinsured Motorists (UIM)
Pays for damages that exceed the amount of coverage carried by an underinsured driver