PERSONAL AUTO INSURANCE EXPLAINED
The Personal Auo Policy is designed to protect both you and your car in the event of accident, theft, injury and other damages.
Personal Auto Policies usually consist of the following coverages:
BODILY INJURY LIABILITY
This coverage provides protection against financial loss should your auto injure others and you are held liable. Includes such expenses as medical bills and lost wages. You are covered up to the policy limit per one individual and to an increased limit for an accident injuring two or more people.
PROPERTY DAMAGE LIABILITY
This coverage provides protection against financial loss should your auto damage the property of others and you are held liable.
This includes property such as auto, house, fence, or building. You are covered up to the policy limit for each separate occurrence.
This coverage provides protection against financial loss when you or others in your auto are injured. It includes such expenses as medical bills and surgery. You are covered up to the policy limit regardless of who is at fault. This coverage will help fill in the gaps you may have in your own personal or family health plan.
OTHER THATN COLLISION
This coverage pays for loss or damage to your auto (other than collision) when caused by theft, wind, vandalism, explosion, or any other covered peril. It pays to the policy limit minus the deductible amount you select, or to the actual cash value of the auto.
This coverage pays for damages to your auto which are caused by collision with any object or overturn of your auto. It pays to the policy limit, minus the deductible amount you select, or to the actual value of the auto.
This coverage pays for expenses that you and your passengers incur as a result of injury caused by an uninsured motorist.
The coverage also pays you and your family members up to the policy limit if you are a victim of a hit and run accident or are struck by a vehicle as a pedestrian.
This coverage pays the difference between the amount you are entitled to receive for an injury and the actual amount of insurance carried by the driver responsible for your injuries. You and your passengers are covered up to the policy limit.
TOWING AND LABOR
This coverage pays for towing and emergency labor costs when the insured auto becomes disabled while on the road, up to a stated amount.
This coverage pays for the rental of an auto, up to a stated limit, when your insured auto is disabled due to collision or comprehensive damage.
UNINSURED MOTORIST PROPERTY DAMAGE
This coverage pays for the property damage to your auto caused by an uninsured motorist, when he is held liable for the damages.
* PLEASE NOTE - THESE ARE ABBREVIATED DEFINITIONS. THE ACTUAL POLICY ITSELF SHOULD BE READ FOR EXACT COVERAGES, DEFINITIONS AND EXCLUSIONS.