Personal Insurance

Important Auto Insurance Coverages

​

• Collision Coverage— This is the part of your policy that covers your car in the event you damage it as a result of an accident with a fixed or moving object like another vehicle, a house, a guard rail, etc..

• Comprehensive Coverage— This coverage also protects your car in instances such as theft or damage from a rock that cracks your windshield while you’re driving on the highway.

• Property Damage— Imagine you damage someone’s car in an accident, or a guard rail, house, or someone’s property. This part of your policy will compensate the person for the damage you caused.

• Bodily Injury Liability— This coverage protects your financial interest in the event you injure another party in an accident. This is the part of your policy that pays for the other party’s medical bills and related expenses. Due to the high cost of medical care, it’s recommended to carry more than the required amount.

• Uninsured and Underinsured Liability— This part of your policy pays you in the event that you are injured by another party and that other party had either too little or no insurance. Keep in mind that even though you may have auto insurance, there are many motorists without coverage.