Auto Insurance

Liability – If you are the responsible party in an accident, this pays for injuries to the other party, including medical expenses, loss of income, and potentially pain and suffering.
Property Damage – Whereas “Liability” pays for injuries to the other party, this pays for damage to their vehicle(s) or property should you be at fault.

Collision – Pays for damage to your vehicle in an “at fault” accident, minus your deductible

Comprehensive – Pays for damage to your vehicle in any scenario not considered a collision.  This might include theft or vandalism of your vehicle, broken windshield, damage by nature (hail, water, tree limb or falling objects), fire (even when parked in the garage), and striking or being hit by an animal.

Medical Payments – Covers medical expenses for you and members of your family in the vehicle, or as a pedestrian on the street.  It is important to note most policies have a rather low limit on this coverage, perhaps $1000 to $5000

Uninsured / Underinsured Motorist – Covers medical expenses and property damage for you, your passengers, and your vehicle should the “at fault “ party have no insurance, or less than adequate insurance to cover the expenses.

Roadside Assistance / Towing – Optional coverage that pays for towing, flat tire repair, running out of gas, lock outs, and jump starts, etc.

Rental Car Reimbursement – Covers a replacement vehicle while yours is being repaired due to an “at fault” accident (and not simply a mechanical breakdown).  If the other party is at fault they would be responsible for this service to you

Other Optional Benefits with some carriers:

Accident Forgiveness – Should you be involved in an “at fault” accident (or incur a “minor violation”) with this optional, additional fee coverage with some carriers, no surcharge or additional premium would be imposed at renewal.

Diminishing Deductibles / Deductible rewards – This optional coverage with some carriers offers you a reward (typically $100 per year) on your Collision deductible each year you are accident free, usually up to a $500 maximum after 4-5 years 9 depending if they start year 1 or 2).   You would pay nothing out of pocket if you had a $500 deductible, and you had accumulated $500 reward dollars to that point.  It usually does not apply to the Comprehensive deductible.


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Insurance Coverage Options Include: