Understanding Personal Auto Insurance

An auto insurance policy consists of six types of damage coverage:

Bodily injury liability:

Covers your legal fees, court costs and compensation due to bodily injury claims brought against you.

Medical payments:

Covers the medical expenses for injuries sustained by you, resident relatives and other people in your auto as the result of an accident. (Auto insurance coverage varies by state.)

Property damage liability:

Covers your legal liability for property damage claims brought against you.

Collision:

Coverage that pays for damage to your auto and its equipment caused by collision or upset.

Comprehensive:

Coverage that pays for damage to your auto and its equipment not caused by collision or upset. This includes, but is not limited to damage from fire, theft, glass breakage, vandalism and damage that results from contact with persons, animals, birds or falling objects.

Uninsured and underinsured motorist coverage:

Provides coverage when you are injured in an accident caused by another person who either has no auto insurance or who has lower insurance limits than you carry and which are insufficient to cover your damages. Some states require that this coverage also include property damage.

Below is list of discounts that you may qualify for: (discounts vary by state)

• Safe Car Driver
• Multi-Car Discount
• Age 55 or Over
• Passive Restraints
• Anti-Theft Car Devices Discount
• Auto Anti-Lock Brakes
• Home-Auto Multi-Policy Discount
• Payment Plan Discount
• Life Multi-Policy Discount
• Advance Quote Discount
• Youthful Car Driver
• Auto Accident Prevention Course
• College Student Car Discount
• Driver Training
• Reduced Car Usage Discount