Auto Insurance Details
Auto Insurance protects you against financial loss if you have an accident. An Auto policy is based on a variety of factors including what kind of car you drive as well as what kind of insurance you want. Auto Insurance policies are actually a package of different types of insurance coverage.
Liability pays for accidental bodilty injury and property damages caused to others. Injury damages include medical expenses, pain and suffering and lost wages. Property damamge includes damaged property and vehicles. This coverage also pays defense and court costs. State laws determine how much liability coverage you must purchase, but you can always increase your coverage above the state minimum to protect your assests in case of litigation.
Medical Coverage pays medical expenses regardless of fault if you or any passengers in your vehicle are injured or when the expenses are caused by an auto accident.
Uninsured motorist pays your damages if another motorist is liable and if that motorist is unable to pay because he or she is uninsured. This coverage applies to bodily injury damages only.
Underinsured motorists pays damages to the insured if another motorist is liable and is unable to pay because he or she is underinsured. This coverage applies to bodily injury damages only.
Comprehensive pays for loss or damamge to the insureds vehicle for losses caused by fire, theft, vandalism, falling objects, hail and various other perils. Damage from striking an annimal is also covered as comprehensive.
Collision pays for damage to the insureds vehicle caused by its collision with another object or vehicle.
Rental reimbursement pays for a rental car if your car is damaged due to an auto accident. There will be a daily amount that can be paid out with a total amount paid over a 30 day period.
