Protect your car. Protect your passengers. Protect others.
Personal Injury and Property Insurance policies have different legal requirements that vary by state. These are minimum coverage amounts for every driver on the road. However, basic Personal Injury and Property Damage Insurance coverage is not enough. It is essential that you consult an insurance expert, so that you will know exactly what protection you need while on the road.
Coverage that protects against financial loss because of legal liability for motor vehicle related injuries (bodily injury and medical payments) or damage to the property of others (automobile or other property) caused by accidents arising out of ownership, maintenance or use of a motor vehicle.
Policy option for bodily injury or property losses caused by a motorist with no coverage or coverage that is insufficient to cover total dollar amount of losses. The Underinsured Motorist compensation for the injured party is equal to the difference between the losses incurred and the liability covered by the motorist at fault.
In the event of an accident, medical payments provides for the payment of medical and similar expenses without regard for liability.
Comprehensive insurance (also known as "other than collision" in some states) covers damage to your car caused by events that are out of your control. It covers things like theft, vandalism, glass and windshield damage, fire, accidents with animals, weather/acts of nature, etc. Comprehensive is an optional coverage and has a deductible which has to be met before payment will be made by the insurance company.
Collision covers damage to your vehicle caused by contact with another vehicle or object, including rollovers. Your collision coverage covers your vehicle regardless of who is at fault for the damage. Collision is an optional coverage and has a deductible which has to be met before payment will be made by the insurance company.
A type of optional car insurance coverage that helps pay for the cost of a rental car while your vehicle is being repaired after a car accident or after suffering damages that are covered through your car insurance policy. Some companies will extend comprehensive and collision coverage to a rental vehicle if rental coverage is on the insurance policy.
Towing is an optional coverage and only includes coverage for the tow of a vehicle. Many car insurance companies offer their own roadside assistance programs. These services may include towing, tire changes, jumpstarts, gas or oil delivery, and locksmith services.