Auto Insurance

Auto accidents can happen to anyone - even the best of drivers. Insurance can help cover the cost of repairs to your vehicles, damage you cause to other vehicles or property, and medical costs associated with a claim. Here is a brief explanation of some of the major auto insurance coverages.

LIABILITY INSURANCE

Bodily Injury and Property Damage Liability covers your legal liability for a covered accident that involves injury to another person or damage to someone's property, up to the limit of liability you select.

• No more than $25,000 would be paid per person for Bodily Injury
• No more than $50,000 would be paid per accident for Bodily Injury
• No more than $25,000 would be paid per accident for Property Damage

You are at-fault for an accident that injured two people and damaged another vehicle. The other driver's total medical bills were $1,000 and the other passenger's total medical bills were $1,500.

The damage to the other vehicle was $5,000. All injuries and damages would be covered because they fall within the Liability limits you selected. Each person's injuries were less than $25,000, and the amount for all injuries was less than $50,000. The other vehicle's damage also was below the $25,000 Property Damage Liability limit.

On the other hand, if you are at fault for an accident and the medical bills from the injuries or property damage that you cause exceed your limits of liability, you are responsible for the remaining damage, which might put your personal assets at risk.

COLLISION AND COMPREHENSIVE COVERAGE

Collision Coverage pays for damage to your car if you collide with another car or something else such as a building, bridge or tree. If someone hits your parked car, this is considered a collision as well.

Comprehensive Coverage pays for damage or loss to your car caused by something other than a collision such as theft, fire, vandalism, windstorm or hitting an animal.

MEDICAL PAYMENTS

Medical payments, no-fault or personal injury coverage - usually pays for the medical expenses of the driver and passengers in your car incurred as a result of a covered accident regardless of fault.

UNINSURED AND UNDERSURED MOTORIST

When the person at fault for an accident does not have insurance, Uninsured Motorist Bodily Injury will cover injuries and damages you incur that the at-fault party is legally liable for, such as medical treatment and lost wages up to the limits you select.

If your injury related expenses exceed the at-fault party's Liability limits, you can use Underinsured Motorist Bodily Injury coverage to pay for the amount not covered by the at-fault person's insurance. Similar to Uninsured Motorist coverage, Underinsured Motorist coverage is designed to cover the gap between the other person's Liability limits and the amount of your injury expenses, up to the Underinsured Motorist limits you select.

If the driver or owner of a vehicle is legally liable for an accident but does not have insurance or does not have enough insurance, you can use Uninsured/Underinsured Motorist Property Damage (UMPD) to cover damage to your insured auto, up to the limits you select. In some states, UMPD is available as an alternative to Collision coverage. Certain exclusions may apply. Refer to your policy.

OPTIONAL COVERAGES