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 Whatever you drive, you have a lot riding on those wheels. It's your family and your peace of mind. Choosing the right auto insurance can help protect you from the risks associated with the road. Auto insurance includes four basic coverage categories designed to protect you from financial loss if you have an accident:
- Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
- Uninsured /Underinsured Motorist
- Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
- Property coverage pays for damage to or theft of your car.
This coverage helps protect you in an auto accident from the damages done to the other driver's property, including bodily injury.
Underinsured Motorists Coverage helps when the other driver is found legally responsible for an accident but has insufficient car insurance coverage to cover the expenses for injuries to you, your family members or passengers.
The Medical Payments portion of an auto insurance policy covers you, your family members and any other passengers in your car for any necessary medical and dental services due to bodily injury caused by an auto accident.
Typical scenarios where Comprehensive coverage applies include: breakage of glass, falling objects, fire, theft, windstorm, hail, water, flood, malicious mischief, vandalism, or impact with an animal.
Collision coverage pays for damage to your vehicle caused by any accidental impact with another vehicle or object.
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