Auto Insurance
Coverage: Different coverages can be purchased depending on the needs and wants of the insured, e.g., the Liability coverages and Bodily Injury Liability, Property Damage Liability, and Medical Payments, and the Physical Damage coverages of Collision and Comprehensive.
Bodily Injury and Property Damage Liability: Pays when you are legally liable for injury, death, or property damage caused by your vehicle up to the policy limit selected. Legal fees, bail bonds and court costs are also covered.
Basic Reparations Benefits: Pays when reasonable medical, dental and hospital expenses, funeral expenses (up to $ 2,000) lost income, lost services and survivors, loss resulting from a motor vehicle accident.
Collision: Pays for loss or damage to your vehicle caused by collision with another object or by upset. Payments are made on an actual cash basis less the deductible which applies.
Comprehensive: Pays for loss or damage to your vehicle caused by fire, theft, vandalism, hail, windstorm, riot, falling objects, flood, etc. If selected, the deductible applies to all damage except by fire.
Full Glass: Pays for loss or damage to any item of glass without applying the deductible under comprehensive.
Medical Payments: Pays reasonable and medically necessary expenses incurred within three years of an accident.
Rental Reimbursement: Pays towards expense to rent a vehicle if you have a loss (covered under your Comprehensive or Collision coverage) and your car is disabled longer than 24 hours.
Towing & Labor: Pays for towing your vehicle and any labor cost at the place of disablement.
Uninsured Motorists / Underinsured Motorists: Pays for damages that you, household relatives and passengers in the insured auto are legally entitled to recover because of bodily injury or death caused by uninsured or hit-and-run autos.
The limits available are as low as $ 20,000 / $ 40,000 or as high as twice your policies bodily injury liability coverage. Also includes standard coverage which protects you where other parties insurance is not enough to pay your damages and is less than your coverage. You can purchase conversion coverage; this coverage is not reduced by payments from any source.
