1. Bodily Injury
Liability
Most states in the U.S. require liability coverage. This covers bodily
injury and damage to property that you cause to others while using your
car. You and family members listed on the policy are also covered when
driving someone else’s vehicle with their permission.
It’s very important to have enough liability protection.
Consider buying more than the state-required minimum to protect assets
such as your home and savings.
2. Medical Payments or
Personal Injury Protection (PIP)
This covers a limited amount of medical and hospital costs, income
continuation, funeral expenses, and loss of services. Coverage limits
are defined in the policy.
3.Uninsured/underinsured
motorist bodily injury
This coverage will reimburse you, a member of your family, or a
designated driver if one of you is hit by an uninsured, a hit-and-run
driver, or an at-fault driver who has insufficient insurance to pay for
your total loss.
4. Collision
This covers damage to your car that is caused by a collision.
5. Comprehensive
This covers damage to your car -- except by collision. For example,
this covers your car if a tree falls on it or someone vandalizes it.
6. Emergency road
service
This covers towing when your car breaks down.
7. Car rental expense
If you have a claim that is covered under your auto insurance policy,
this coverage pays to rent a car.
8. Death, dismemberment
and loss of sight
This coverage pays for death and certain injuries to people named in
your policy due to an auto accident.
9. GAP
In the event your vehicle is a total loss, GAP coverage pays the
difference between the current market value of your car and the amount
you still owe the bank.
10. Custom equipment
coverage
This covers direct and accidental loss to custom furnishings or
equipment.
Check
out what other insurance companies offer and see how they compare. You
could easily save over 25% on your auto
insurance rate for the same or more coverage.
.
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