Who does my auto insurance policy cover?

An Auto Insurance policy typically covers:

  • You and your spouse
  • Relatives who live in your home
  • Other licensed drivers who have permission to drive your insured vehicle.

What are the coverages available for my auto policy?

  1. Liability - Auto liability coverage pays for the damage if you are legally responsible for accidentally injuring someone, or for damaging another vehicle or other property in an auto accident.

    Auto liability coverage falls into two categories:

    1. Bodily Injury Liability – which covers medical expenses, pain and suffering, lost wages, and other special damages.
    2. Property Damage Liability — which covers damaged property, and may include loss of use.

    Liability coverage also pays legal defense and court costs.

  2. Personal Injury Protection (PIP) - This coverage pays the reasonable and necessary medical expenses for covered persons for treatment due to an auto accident.It may also pay for:
    • Rehabilitation
    • Lost earnings
    • Replacement of services (For example, child care if a parent is disabled.)
    • Funeral expenses
  3. Collision – This coverage helps pay for damage to a covered vehicle caused by:
    • Collision with another vehicle
    • Collision with an object
    • A vehicle rollover

    A deductible is required.

  4. Comprehensive – This coverage helps pay for loss of or damage to an insured vehicle, not caused by a collision or vehicle rollover.Examples of this type of damage or loss include:
    • Fire
    • Wind
    • Hail
    • Vandalism
    • Theft
    • Hitting an animal

    A deductible may apply.

  5. Uninsured Motorist – This coverage pays for damages when a covered person is injured in an auto accident caused by a driver who does not have Liability Insurance.
  6. Underinsured Motorist – This coverage pays for damages when a covered person is injured in an auto accident caused by another driver who has insufficient Liability Insurance.
  7. Emergency Road Service – This coverage pays for having your auto towed due to a breakdown.
  8. Rental Reimbursement – This coverage pays for renting a car when your auto is disabled due to an auto accident.