LIABILITY COVERAGE
Pays for bodily injury you cause
to other motorists or pedestrians when the auto
accident is your fault.
Pays for damage you cause to others'
cars or property when the auto accident is your
fault.
Pays for a lawyer for you if you
are sued because of the auto accident (but not
a lawyer to defend you for traffic violations or
fines or criminal charges).
You must have Liability Coverage
to get a financial responsibility filing if a filing
is needed to get your license.
UNINSURED MOTORISTS
COVERAGE
Pays for bodily injury to you and/or
passengers in your vehicle if you are hit by a car
that is not insured and the accident is the other
driver's fault.
Uninsured Motorists Coverage
is a required coverage by law when you purchase
Liability Coverage.
UNDERINSURED MOTORISTS
COVERAGE
Pays for bodily injury to you and/or
passengers in your vehicle to the extent that a
motorist who causes your injuries has less coverage
for liability than you have for underinsured motorist.
Underinsured
Motorist Coverage
must be offered to you by law but is not a
required coverage.
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MEDICAL PAYMENTS COVERAGE
Pays for injury to you or passengers
occupying your vehicle, it doesn't matter whose fault
the accident is. This coverage may be secondary
to any medical insurance coverage.
Medical
Payments Coverage
must be offered to you by law but is not a required
coverage.
OTHER COVERAGES
Comprehensive (Other
Than Collision) -physical
damage coverage to your vehicle for items specified
in policy other than collision, such as glass breakage,
animal damage, fire, theft, vandalism.
Collision-
physical damage coverage
to your vehicle for collision with another object
or upset of your vehicle.
Rental Expense-reimbursement
for car rental expenses (limit of policy) while yours
is being repaired for a car damage claim.
Towing & Labor-reimbursement
for towing charges (limit of policy) or emergency
services on the scene if you car breaks down.
Special Equipment-Add-on
equipment that can be included for physical damage
for items such as cb radios, tape players, custom
wheels, tires, paint, seats, etc...
**This
is a summary of insurance coverage, the policy should
be referred to for contractual coverage.
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