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Typical Coverage of a Personal Auto Policy
Let’s look at the typical personal auto policy. It’s not just one kind of insurance. It’s usually nine different kinds of insurance all rolled into one policy.
Let’s take a quick look at what they are:
| Bodily injury liability insurance | Pays if you are liable for injuries caused to another party. |
| Property damage liability insurance | Pays if you are liable for damage to someone else's property. |
| Medical payments insurance | Will pay for medical expenses on a "no fault" basis for ANYONE injured in an auto accident. Including you and your family members. Usually coordinates with health coverage. |
| Comprehensive insurance | Damage to your vehicle other than collision. Coverage is very broad. Includes Earthquake and Flood along with most other perils. |
| Collision insurance | Damage to your vehicle caused by collision with another vehicle or object or overturning of your vehicle. |
| Uninsured motorists coverage | Provides funds in the event an uninsured driver is found negligent in an accident causing YOU to suffer a bodily injury or property damage loss. THIS COVERAGE PROTECTS YOU AND YOUR FAMILY. |
| Underinsured motorists coverage | Same as Uninsured. Brings up the level of protection for you from the lower limits that the negligent driver carriers to the liability limits that you carry. |
| Rental Reimbursement | Provides a certain amount of money every day for the cost to rent a car while your vehicle is out of service due to an insured peril. If your vehicle is stolen and you have Comprehensive coverage, rental reimbursement is automatically included. |
| Towing | Stated amount for towing and labor expenses related to towing. |
So that’s a quick overview of the nine kinds of insurance you’ll usually find in an auto policy. (Please be aware, this information is offered for general information. It is not a legal definition of any policy, many of which vary slightly and is not a substitute for reading and understanding your own policy!) Remember to Watch Out for shortfalls in your auto insurance protection! Request a Quotation if you want a comparative quotation and a quotation with recommended changes to maximize your premium dollar.
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