AUTOMOBILE INSURANCE

Liability Coverage:

This coverage is provided for the listed drivers and auto on your policy. The liability coverage provides funds up to the limit of the policy to settle the at fault claim on your behalf. If you do not have liability insurance or enough liability insurance to pay a claim, the party that was damaged (due to your negligence) may go after you personally. The most important item to remember is that you need to have the liability limits higher than your personal assets. If not, some assets could be at risk to settle your claim.

Medical Payment:

This coverage allows the party that was injured within your auto to have their medical bills paid due to injuries sustained within your vehicle. The payments would be paid up to the limit of the medical payments coverage and are subject to the policy language. Make sure you understand this coverage and its limitations, conditions and exclusions before you buy it.

Comprehensive:

Provides coverage for accidental damage to your vehicle for most causes, except collision or upset. This coverage is subject to a deductible. Full Glass Coverage: This coverage waives the deductible for any broken glass on your auto. Some policies restrict this coverage to certain types of claims and specific pieces of glass on your auto, while excluding other pieces of glass.

Collision:

Provides coverage for accidental damage to your vehicle caused by collision or upset. This coverage is also subject to a deductible.

Uninsured Motorist:

This coverage provides protection up to the policy limits for payment of legally collectable damage for bodily injury or death caused by another vehicle that is not properly insured.

Underinsured Motorist:

This provides the same coverage as Uninsured Motorist up to the policy limits, except that it provides the coverage if the other vehicle does not have sufficient coverage to pay the full amount of your loss for bodily injury.

Towing Coverage:

This is a reimbursement coverage that pays for towing to the nearest repair facility up to the limit of the coverage. It is important to understand the limitations, conditions and exclusions for this coverage.

Rental Car Expense:

This coverage pays for a rental car while your car is in the shop being fixed due to a covered loss subject to daily and maximum limits as specified.

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