Auto Insurance Policy
An Auto Insurance Policy generally covers:
- You and your spouse
- Relatives who live in your home
- Other licensed drivers who have permission to drive your insured vehicle.
- Liability- Auto liability coverage pays for the damage if you are legally responsible for accidentally injuring someone, or for damaging another vehicle or other property in an auto accident.
- Property Damage- Covers damaged property and may include loss of use.
- Collision- This coverage helps pay for damage to a covered vehicle caused by a collision with another vehicle, collision with an object or a vehicle rollover.
- Comprehensive- This coverage helps pay for loss of or damage to an insured vehicle, not caused by a collision or vehicle rollover. Examples of this type of damage or loss include:Fire, Wind, Hail, Vandalism, Theft and Hitting an animal,
- Bodily Injury Liability – covers medical expenses, pain and suffering, lost wages, and other special damages. Liability coverage also pays legal defense and court costs
- Uninsured Motorist – This coverage pays for damages when a covered person is injured in an auto accident caused by a driver who does not have Liability Insurance.
- Underinsured Motorist – This coverage pays for damages when a covered person is injured in an auto accident caused by another driver who has insufficient Liability Insurance.
- Emergency Road Service – This coverage pays for having your auto towed due to a breakdown.
- Rental Reimbursement – This coverage pays for renting a car when your auto is disabled due to an auto accident