Auto Insurance

What is Auto Insurance?

Auto insurance provides you with financial protection against physical damage and/or bodily injury resulting from a traffic accident. It may additionally provide protection against theft or damage to your vehicle.

An auto insurance policy is compromised of six different types of coverage. Most states require you to buy some but not all of these coverages.

Below are brief descriptions and not meant to be complete definitions of coverage. Full descriptions are part of you policy.

Bodily Injury (BI)

Coverage designed to pay claims against you and the cost to defend you if you cause injury while driving. Split coverage limits as shown on your quote; the first limit represents coverage per person and the second indicates coverage per accident.

Property Damage Liability

Coverage designed to pay claims against you if while driving, you cause damage to the property of others.

Medical Payments (MED PAY)

Coverage designed to pay reasonable expenses for medical service which results from an auto accident. Coverage is provided for you, your family members and passengers in your covered vehicle.

Uninsured Motorist (UM)

Coverage that protects you, your family members, and passengers if injuries are caused by a driver with no liability insurance.

Underinsured Motorist (UIM)

Coverage that provides protection against drivers who have some liability insurance but not enough to cover your claim. They must have coverage less than the limits that you carry.

Collision Coverage (COLL)

Coverage designed to pay for damages to your vehicle cause by impact (collision) with another vehicle or object. This coverage usually carries a deductible.

Other than collision (OTC)

Coverage that provides payment for damages to your vehicle other than those caused by impact with another vehicle or object. Examples; fire, theft, vandalism, and glass breakage. This coverage usually carries a deductible.