Protects against financial loss when you are held legally responsible for an accident
causing injury or death. Usually shown as a “Split Limit,” such as $100,000/$300,000,
this is the limit provided for one injured person followed by the limit provided
for two or more persons in any one accident or occurrence.
Pays for damage to your covered vehicle (up to its actual cash value), less the
deductible, for losses caused by collision. Selecting a higher deductible generally
helps to reduce the cost of your insurance. In most states, it’s available only
if you carry Comprehensive coverage. Often required when your car is financed or
leased.
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 to reduce
the cost of your insurance. Often required when your car is financed or leased.
Pays the amount of a covered glass loss with no deductible. This coverage is usually
optional and purchased for an additional premium.
Pays reasonable and necessary medical expenses up to the selected limits, directly
resulting from an auto accident. This may include medical care, recovery, rehabilitation
and remedial care, as outlined in your policy. Coverage varies by state.
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.
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.
If you 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. Available
only if you carry Comprehensive and Collision coverage.
Pays up to the selected limit for towing of your covered vehicle when it is inoperable,
whether or not there is an accident involved. You must also select Comprehensive
to obtain this coverage.
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.
Pays for damage to your vehicle when it is struck by an uninsured driver, a hit-and-run
driver, or an insured driver whose Property Damage Liability limit is inadequate
to cover the property damage losses incurred. Not available in all states.
