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understanding auto insurance

BODILY INJURY LIABILITY/PROPERY DAMAGE LIABILITY


Bodily injury liability insurance does not protect you or your car directly. If you cause an accident in which other people are injured due to your negligence, this insurance protects you against their claims for damages, such as medical expenses, lost wages, and pain and suffering.


Property damage liability insurance pays for any damage you cause to the property of others, such as damage to another vehicle, fence, or tree caused by a collision.

When purchasing liability coverage, you will need to determine the amount of coverage needed to protect yourself if a loss occurs. coverage is often sold with a per person and total per loss maximum amount.


PERSONAL INJURY PROTECTION (PIP)

Personal ijury protection (PIP) coverage will pay you, your relative or any other person riding in your car a minimum amount per person for injury regardless of fault. Coverage typically includes medical expenses, rehabilitation expenses, work loss benefits (loss wages), feneral expenses, and survivor's loss benfits.


MEDICAL PAYMENTS


This pays you and your passengers for medical and funeral expenses incurred in an auto accident, regardless of fault. It will also cover injuries sustained by you while you're operating someone else's car (with their permission), in addition to injuries you or your family member incur when you are pedestrians


UNINSURED MOTORISTS/UNDERINSURED MOTORISTS


Uninsured Motorists Bodily Injury (UMBI) covers you for all sums (up to your policy limits) if an accident occurs with an uninsured or hit- and- run motorists who is determined to be legally at fault.


Underinsured Motorists Bodily Injury covers you for all sums (up to your policy limits) if an accident occurs with a motorist who is underinsured


UNINSURED MOTORIST PROPERY DAMAGE


Uninsured Motorist Property Damage (UMPD) coverage pays for the property damage to your car when there is a collision with an identified uninsured driver.


COMPREHENSIVE


Comprehensive Coverage pays for damage to your auto from almost all other losses other than collision. Covered losses under comprehensive coverage include the following: theft, fire, vandalism, weather related losses such as hail, water (flood), falling objects, damage caused by a bird or animal, and glass breakage.


COLLISION


Collision Coverage pays for a physical damage to your car as a result of your auto colliding with an object, such as another car or a tree.


RENTAL REIMBURSEMENT


Rental reimbursement coverage or transportation expenses pay for a rental car if your vehicle is damaged by a covered loss. This coverage is usually purchased with a daily and total maximum. For example, 20 per day up to a total of 600


TOWING AND LABOR


Towing and labor coverage pays the cost of towing your car to a repair shop.


Information provided by The National Association of Insurance Commisioners

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