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Auto
Insurance |
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Who does my auto
insurance policy cover? |
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An Auto
Insurance policy typically covers:
- You and your spouse
- Relatives who live in your home
- Other licensed drivers who have permission to
drive your insured vehicle. |
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What are the coverages
available for my auto policy? |
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A.
Liability |
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Auto
liability coverage pays for the damage if you are
legally responsible for accidentally injuring
someone, or for damaging another vehicle or other
property in an auto accident.
Auto liability coverage falls into two categories:
1. Bodily Injury Liability - which covers medical
expenses, pain and suffering, lost wages, and other
special damages.
2. Property Damage Liability -- which covers damaged
property, and may include loss of use.
Liability coverage also pays legal defense and court
costs. |
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B.
Personal Injury Protection (PIP) |
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This coverage pays the
reasonable and necessary medical expenses for
covered persons for treatment due to an auto
accident.
It may also pay for:
- Rehabilitation
- Lost earnings
- Replacement of services (For example, child care
if a parent is disabled.)
- Funeral expenses |
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C.
Collision |
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This coverage helps pay
for damage to a covered vehicle caused by:
- Collision with another vehicle
- Collision with an object
- A vehicle rollover
A deductible is required. |
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D.
Comprehensive |
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This coverage helps pay
for loss of or damage to an insured vehicle, not
caused by a collision or vehicle rollover.
Examples of this type of damage or loss include:
- Fire
- Wind
- Hail
- Vandalism
- Theft
- Hitting an animal
A deductible may apply. |
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E. Uninsured Motorist |
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This
coverage pays for damages when a covered person is
injured in an auto accident caused by a driver who
does not have Liability Insurance. |
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F. Underinsured Motorist |
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This
coverage pays for damages when a covered person is
injured in an auto accident caused by another driver
who has insufficient Liability Insurance. |
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G. Emergency Road Service |
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This
coverage pays for having your auto towed due to a
breakdown. |
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H. Rental Reimbursement |
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This
coverage pays for renting a car when your auto is
disabled due to an auto accident. |
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