Car Insurance

Information may not be reliable

There are many choices to consider that will all affect the final cost of your auto insurance coverage:  the coverage limits or amounts you chose, the deductibles or amounts that you must pay and the specific policy’s you choose. Here is list of common policy’s briefly explained.

Common Auto Insurance Coverage:

• Collision Insurance – Covers damage to your vehicle caused by a collision with another vehicle or with any other object, regardless of fault.  Collision insurance does not cover bodily injury (BI) or property damage (PD) liability.Property Damage (PD) Insurance – When you are at fault. Covers damage to another person’s property (vehicle or other object) caused by a collision with your vehicle.
• Bodily Injury (BI) Insurance – Pays for the injuries of others when you are at fault.
• Medical Payments Insurance – Provides for the payment of medical and similar expenses without regard for legal liability.
• Comprehensive Insurance – Covers damage or cost of repairs to your car caused by reason other than collision, such as fire, theft, windstorm, flood, or vandalism.
• Uninsured and Underinsured – Provides coverage for a policyholder involved in a collision with a driver who does not have liability insurance or who does not have sufficient liability limits to pay for damages.
• Endorsements/Riders – Covers special equipment such as wheels, tires, premium electronic not installed at the factory and reimbursement for towing and rental.

These are just a few of the decisions that you’ll have to make when purchasing auto insurance coverage.