Bodily injury liability coverage applies to injuries that you, the designated driver or policyholder, cause to someone else.
It’s very important to have enough liability insurance. If you are involved in a serious accident, you need enough coverage to pay for the costs related to the person's injuries. We recommended that policyholders buy more than the state-required minimum liability insurance. Generally enough to protect assets such as your home and savings.
Collision coverage pays for damage to your car resulting from a collision with another car, an object, such as a tree or telephone pole, or as a result of flipping over (note that collisions with deer are covered under comprehensive). It also covers damage caused by potholes.
Collision coverage is generally sold with a separate deductible. Even if you are at fault for the accident, your collision coverage will reimburse you for the costs of repairing your car, minus the deductible. If you're not at fault, your insurance company may try to recover the amount they paid you from the other driver’s insurance company and, if they are successful, you'll also be reimbursed for the deductible.
This coverage reimburses you for loss due to theft or damage caused by something other than a collision with another car or object. Comprehensive covers events such as fire, falling objects, missiles, explosion, earthquake, windstorm, hail, flood, vandalism, riot, or contact with animals such as birds or deer. It will also pay to repair your windshield if it is cracked or shattered.
Comprehensive insurance is usually sold with a separate deductible, although some insurers may offer the glass portion of the coverage without a deductible.
Uninsured/ underinsured motorist coverage is designed to cover you and the parties in your car from expense that occur after car accident including medical expenses lost wages pain and suffering caused by someone who is without insurance or inadequate limits of insurance.
- Uninsured motorist