Auto Insurance This is only a sketch of coverage, read your policy for a detailed description of your policy. |
| Bodily Injury: The amount paid for injuries caused by you. Usually a per person, per accident amount. Higher limits are recommended to protect assets. Your policy may say something like 100/300. This would be $100,000 per person $300,000 per occurrence. They will pay up to $100,000 for one injury but no more than $300,000 if three or more people are injured. |
| Property Damage: This is the maximum amount the company will pay for damage to others property. It will not matter if it is another car, house, fence, semi, etc. The amount is stated and might say something like this; $100,000 per occurrence. |
| Medical: This is the amount the company will pay toward medical expense for you and passengers in your car at the time of the accident. Usually the policy would read $5,000 per person. There is not a maximum for the occurrence. (Occurrence is each accident) |
| Uninsured/Underinsured Motorist: This is a coverage to you and your passengers should you be hit by an uninsured motorist. It will pay up to the limit stated in your policy. Something like the bodily injury limit above. Underinsured motorist is when the other party has insurance but their limit is less than yours. Your policy will pay the difference between the two amounts. You do not have to be in your car for this coverage to apply. You can be jogging, or in another vehicle and collect under your uninsured/underinsured motorist coverage. |
| Comprehensive: This covers your car for damage other than collision. This could be a stolen car, vandalism or storm damage. It will be subject to a deductible you select. |
| Collision: This covers your car for damage should you hit or be hit by another object. This could be anything from hitting another car, truck or stationary object. The repair is subject to your deductible. |
| Uninsured Motorist Property Damage: Should you have an older car and not feel that it is worth insuring for collision but want to have some protection against the uninsured driver should they cause an accident this is the coverage you want. It is subject to a $250 deductible and will pay up to an amount mentioned in your policy. |
| Towing: This is an amount paid by your insurance should you have trouble and need to have your vehicle towed in for repair. The amount is listed on your policy. Collision coverage pays for towing after an accident, this is a separate coverage. |
| Rental Reimbursement: This pays for a rental car should you have a collision loss. Your policy indicates the amount that will be paid per day and the number of days. Should you have a car stolen that coverage is included under your comprehensive. |
This is not an insurance
contract. You should read your contract. |
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