AUTOMOBILE INSURANCE COVERAGE
Bodily Injury - Under this coverage the insurance company pays on your behalf for bodily injury that you have caused someone else in an auto accident. Payment is determined by the limits you carry; for instance, $100,000/300,000 coverage means payment to any one injured individual up to the limit of $100,000 and payment for all individuals injured in an accident is limited to $300,000.
Property Damage - Under this coverage the company pays on your behalf for damage to other vehicles or property up to the limit selected if you are found responsible for the accident.
Uninsured Motorist - If you are injured by someone who is not carrying Bodily Injury coverage your company will pay you up to the limits selected. This includes Medical Bills, Loss of Wages, Rehab Treatments and Pain and Suffering Damages.
Underinsured Motorist - Coverage is the same as above except that the person causing you Bodily Injury is carrying insufficient insurance limits to pay for your injuries. The underinsured motorist coverage pays the difference between the bodily injury coverage of the other person and the limits you select for underinsured motorist coverage.
Medical Payments - Payment would be made to you and your passengers for medical bills without any reference to fault.
Collision - Coverage is provided for repair of your car for damage caused by collision with another object, subject to the deductible selected.
Limited Collision - This is an option if the value of your vehicle is low enough that you do not wish to purchase Collision coverage. This will only apply if the other party is identified and is more that 50% at fault.
Comprehensive - Coverage is provided in the event of damage caused by other events such as vandalism, fire, flooding, theft and various other causes, subject to the deductible selected. Glass damage is also covered under Comprehensive and the premium shown includes the waiver of the deductible.
Substitute Transportation - This coverage will pay for the rental of a replacement car if your car is damaged in an accident while your car is being repaired. Coverage is limited to a 30 day period at the daily limit selected.
