Anatomy of a Statement

Roll over the highlighted areas of the statement to the right or the links below for more information.

Bodily Injury Protection

Liability protects you if you are at fault in an accident. If you don't carry enough liability, you may be sued for your personal assets -- your home, savings, investments or income. When determining how much coverage is appropriate for you, consider all the assets you want to protect. For additional help, call your insurance professional.

Protects you against financial loss when you are held legally responsible for an automobile accident causing injury or death to someone else. This coverage also includes the legal costs involved in your defense for a covered suit as well as court costs and bail bond expenses. The coverage amount is a “Split Limit,” such as $100,000/$300,000. The first figure is the maximum limit provided for one injured person. The second figure is the limit provided for two or more persons in any one accident or occurrence.

Property Damage Liability

Liability protects you if you are at fault in an accident. If you don't carry enough liability, you may be sued for your personal assets -- your home, savings, investments or income. When determining how much coverage is appropriate for you, consider all the assets you want to protect. For additional help, call your insurance professional.

Covers you against financial loss if you are found liable for damage to other people’s property (e.g., light poles, fences, another vehicle, etc.) caused by your auto.

Medical Payments

This coverage pays reasonable and necessary medical expenses directly resulting from an auto accident, up to the selected limits. This may include medical care, recovery, rehabilitation and remedial care, as outlined in your policy. Coverage varies by state.

Underinsured Motorists Bodily Injury

Generally, your Underinsured Motorist coverage should be equal to your Bodily Injury Liability, so that you provide the same level of coverage for yourself – if you are injured – as you would for others.

Pays bodily injury or death expenses for you and any passengers in your vehicle up to your policy limits if you're struck by a driver who is uninsured or doesn’t have adequate insurance, or if you're struck by a "hit-and-run" driver that you cannot identify.

Comprehensive

Recommended for vehicles 10 years old and newer; choose a deductible that is financially comfortable for you. Keep in mind that you may be able to lower the cost of your coverage by choosing a higher deductible.

Pays for damage to your covered vehicle (up to actual cash value), less the deductible amount, as a result of damage caused by events such as fire, theft, glass breakage, riot, windstorm or hail. Selecting a higher deductible generally helps reduce the cost of your insurance. Often required when your car is financed or leased.

Collision

Recommended for vehicles seven years old and newer; a deductible that is financially comfortable for you. Keep in mind you may be able to lower the cost of your coverage by choosing a higher deductible.

Pays for damage to your covered vehicle (up to its actual cash value), less the deductible amount, for losses caused by collision. "Collision" means contact with a physical object, such as another vehicle or a structure. If you plan to purchase Collision coverage, selecting a higher deductible generally helps reduce the cost of your insurance. Collision coverage is available only if you carry Comprehensive coverage. In addition, Collision is often required when your car is financed or leased.

Towing & Labor

Pays up to the selected limit for towing your covered vehicle when it is inoperable, whether or not there is an accident involved. (Note: You must also select Comprehensive coverage to obtain this coverage.)

Personal Injury Protection (no-Fault)

Pays benefits for the cost of personal injuries resulting from an automobile accident. Coverage applies without regard to who was at fault in the accident. It applies only to injuries, and it does not cover damage to a car or to any other property. In most states, no-Fault also provides coverage for lost income. Coverage is provided on a per person/per occurrence basis.

Full Glass

Pays the amount of a covered glass loss with no deductible. This coverage is optional and can be purchased for an additional premium.

Rental Reimbursement

If your car becomes inoperable due to a covered loss and you need to rent a substitute, this coverage pays the cost of the rental car up to your policy limits. This coverage is available only if you carry Comprehensive and Collision coverage.