- Collision Coverage
- Covers damage to your car caused by a collision with another vehicle, object or by your car overturning. There is almost always a deductible you must pay to repair or replace the car.
- Comprehensive Coverage
- Covers damage to your car other than that caused by a collision, including theft, vandalism, animal strike, explosion, flood, falling objects, windstorm and glass breakage. There is usually a deductible.
- Bodily Injury Liability
- Protects you against the claims of other people injured in an accident for which you were at fault. Claims may include medical expenses, lost wages, pain and suffering.
- Property Damage Liability
- Pays for damage you caused to the property of others, including their vehicle, walls, fences and other equipment.
- Full Glass
- Covers your car’s glass for breakage of safety glass with no deductible for an extra premium.
- Towing Coverage
- Covers expense of towing your car to a shop.
- Rental Reimbursement Coverage
- Pays for rental of a vehicle if you have a loss covered by either collision or comprehensive coverage or if your car is disabled.
- Uninsured/Underinsured Motorist Coverage
- Covers bodily injury to you, relatives who live with you or your passengers if they are injured in an accident caused by a driver with no insurance, a hit-and-run driver or a driver with insufficient liability insurance. Minimum amount required by law is $25,000 per person, $50,000 per accident.
- Underinsured Motorist Conversion Coverage
- Reimburses you if you are injured by an underinsured driver for damages not paid. It is optional coverage and is not reduced by payments from other sources, including the at-fault driver’s liability insurance.
