Brief Auto Insurance Coverage Explanations
Bodily Injury Liability — Bodily Injury Liability pays, on behalf of the insured, amounts which the insured becomes legally obligated to pay as damages because of bodily injury to others arising from certain automobiles. The limits of bodily injury liability insurance are often split between "per person" and "per occurrence." For example, 15000/30000 means coverage limits of $15 thousand per person and $30 thousand per occurrence.
Property Damage Liability — Property Damage Liability pays, on behalf of the insured, amounts which the insured becomes legally obligated to pay as damages because of damage to property of others arising from certain automobile accidents.
Personal Injury Protection (No-Fault) — Primary coverage for bodily injury to the named insured and family members. Pays 80% of medical expenses up to $10,000 excluding any deductible selected for injuries sustained in any motor vehicle accident whether a pedestrian or passenger if you own a vehicle or live with someone who owns a vehicle. Also pays 60% of work loss resulting from injuries sustained in an auto accident and $5,000 in death benefits where death occurs as a result of injuries sustained in an auto accident. This coverage allows you to first make claim for bodily injury damages direct to your own insurance company without having to make claim against the other driver's insurance until the coverage is used up or other conditions are met. Available with deductibles.
Medical Payments — Excess coverage over to PIP, medical coverage for the named insured and family members are covered for injuries sustained as an occupant of a motor vehicle or through being struck by a motor vehicle while a pedestrian. In addition, guest passengers are covered while occupying the covered auto. Medical Payment pays for necessary medical and funeral services resulting from bodily injuries in automobile accidents. Depending on the specific policy, Med Pay may pay the PIP deductible and/or the 20% not covered under PIP.
Uninsured Motorists — Generally, to pay the insured what he or she would have been legally entitled to recover from any uninsured motorist or underinsured motorist for bodily injury — but not for property damage.
Collision — Collision means the upset or collision with another object with your auto. This coverage almost always includes a deductible.
Comprehensive — Also known as "Other Than Collision," this coverage pays for damage to your car resulting from, typically, fire, theft, windstorm, hail, flood, vandalism and glass breakage. This coverage comes most often with a deductible.
Accidental Death and Dismemberment — The coverage pays benefits for injuries or death caused by an accident, which happens while a covered person is driving or riding in a private passenger auto. The coverage is generally low-cost and available in $1000 increments.
Towing & Rental — One of the most frequently used benefits, the coverage is often available on a separate contract at very reasonable cost. Typically, the coverage would pay towing if for any reason your auto was not drivable and would pay rental in the event of a collision accident or theft of your auto. These contracts frequently include Emergency Road Service which provides good coverage in the event of service required for jump start, flat tire, labor performed at the scene of disablement, fuel delivery and key lock-out.
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