- Pay for damage and repairs to your car in an accident
- Cover damage to another car or other property in an accident.
- Cover medical expenses associated with an accident
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- Pay for losses caused by underinsured or uninsured drivers.
- Reimburse you for damages suffered because of vandalism, natural disasters or theft.
- Pay for legal representation in case of an automobile-related lawsuit.
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| Your auto insurance is really made up of 12 distinct parts that divide into two categories: Compulsory Insurance and Optional Insurance. The first four parts are Compulsory coverages required by law. The other eight are Optional; however, they provide additional insurance protection. |
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| A brief explanation of each coverage part is listed below. |
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Compulsory (Required) Insurance |
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- Bodily Injury to Others
- Personal Injury Protection
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- Bodily Injury Caused by an Uninsured Auto
- Property Damage
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Optional Insurance |
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- Optional Bodily Injury to Others
Provide coverage for injuries to guest occupants and for accidents occurring outside of your home state.
- Medical Payments
Pays for necessary medical and funeral services to you and your passengers incurred as the result of an auto accident.
- Collision
Pays for any direct and accidental damage to your auto caused by a collision regardless of fault.
- Limited Collision
Pays in some situations for direct and accidental damage to your auto caused by a collision.
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- Comprehensive
Pays for damage or loss of your auto in non-collision situations including vandalism, theft, fire, wind, hail, flood, hitting an animal and others.
- Substitute Transportation
Reimburses you for a rental vehicle if your auto was in a collision and is being repaired or replaced.
- Towing and Labor
Pays for auto towing and labor due to a breakdown even if there isn’t an accident.
- Bodily Injury Caused by an Underinsured Auto
Pays for damages for bodily injury or death as the result of certain accidents caused by someone who does not have enough insurance.
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| We know cost is always a consideration when purchasing insurance, but making sure you have proper coverage is just as important. Let us eliminate confusion and make insurance simple for you. We do the work for you, comparing options between a many insurance carriers. |
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