| The basic types of auto insurance coverage include:
Bodily Injury Liability Coverage - covers
injuries that you may cause to another individual.
Property Damage Liability Coverage - covers
damage you may cause to someone else’s property.
Combined Single Limit Coverage - combines
the coverages described above for Bodily Injury and Property
Damage Liability.
Medical Payment Coverage - covers medical
expenses for injuries to yourself, your passengers and
others, no matter who is at fault. It also covers any kind
of accident
involving an automobile whether you are walking or on a bicycle.
Personal Injury Protection Coverage (PIP) -
is no-fault coverage. It reimburses accident victims for
payments and PIP premiums if your medical expenses, lost
wages and pays for services their injuries prevent them from
performing.
Collision Coverage -
covers damage to your own automobile in an accident.
Comprehensive Coverage - covers “non-collision” damage
such as fire, break-ins, vandalism or theft and natural disasters.
Uninsured or Underinsured Motorist Coverage -
protects you if you are injured in an accident with someone who
has no liability or insufficient liability coverage.
Auto Loan Lease Gap Coverage - pays unpaid
amount due on the lease or loan for your vehicle in the event
of a total loss.
Repair or Replacement Collision Coverage -
pays for the repair or replacement of your vehicle whether
or not the repair costs exceed its actual cash value.
Extended Transportation Expense Coverage -
pays you for loss - of- use of your car due to a covered incident.
Towing and Labor Coverage - pays the towing
and labor costs each time your auto is disabled. We will only
pay for labor performed at the place of disablement. |
