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When you buy an auto insurance policy, you are buying a package of individual insurance coverages. Each insurance coverage protects you against different types of losses. Once you understand the various insurance coverages, you can decide which ones to include in your personal auto insurance package. You can also determine the lines of automobile insurance coverage you will need. The following are some common insurance coverages found in an automobile insurance policy. NOTE - Your auto insurance policy may not contain all of these insurance coverages.
Bodily Injury (BI) Liability Coverage pays up to the insurance coverage limits, for damages due to injury or death of others in a vehicle accident for which you or the operator of your vehicle are legally responsible. It also pays your legal defense costs. In most states this insurance coverage is mandatory.
Property Damage (PD) Liability Coverage pays up to the insurance coverage limits, for another individual's vehicle or property that has been damaged in an automobile accident for which you or the operator of your vehicle is legally responsible. In most states this insurance is also mandatory.
Medical Payments Coverage pays up to the insurance coverage limits, for reasonable and necessary doctor, hospital and funeral expenses for you and your passengers injured or killed in an auto accident, regardless of who is at fault. Payments are usually limited to one to three years after the auto accident. The coverage is optional in most states without no-fault automobile insurance systems.
Uninsured/Underinsured Motorists (UM/UIM) Coverage pays up to the insurance coverage limits for pain and suffering which is not covered by medical, disability and PIP. Underinsured motorist insurance coverage pays for bodily injury to you or your family resulting from the negligence of someone whose automobile liability insurance limits are insufficient. The definition of an underinsured motorist varies from state to state.
Collision Coverage pays up to the insurance coverage limits, for damage to your vehicle or a vehicle you are operating caused by a collision or rollover. This auto insurance coverage is usually required if you have a vehicle loan.
Comprehensive Physical Damage Coverage pays up to the insurance coverage limits, for damage to your vehicle or any vehicle in your custody resulting from theft, fire, vandalism, flooding, hail or other perils (but not damage by collision or overturning). It is usually required if you have a vehicle loan.
Rental Reimbursement pays up to a specified amount for rental vehicle charges while your vehicle is being repaired for damage covered under your auto insurance policy. If you prefer not to incur the cost of renting a vehicle yourself and cannot be without a vehicle while yours is being repaired, you might consider this insurance coverage.
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