Automobile Insurance – Bodily Injury – Liability
If you own a car, auto insurance is not just an option it is a legal obligation. If you are involved in an accident or have your car stolen or damaged, owning the right kind of auto insurance can help to ease a difficult situation.
Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.
Bodily Injury & Property Damage Liability
Liability coverage pays for your legal responsibility to others for bodily injury or property damage that you have caused while driving your vehicle.
Medical coverage pays for the cost of treating injuries for you and anyone in the car with you at the time of an accident.
Uninsured and Under-insured Motorist Coverage
Uninsured Motorist coverage
Will reimburse you, a member of your family, or a designated driver if one of you is hit by an uninsured or hit-and-run driver.
Under-insured Motorist coverage
Will reimburse you if an at-fault driver has insufficient insurance to pay for your total loss. This coverage will also protect you if you are hit as a pedestrian.
Physical Damage Coverage
This coverage reimburses you for loss due to theft or damage caused by something other than a collision with another car or object, such as fire, falling objects, missiles, explosion, earthquake, windstorm, hail, flood, vandalism, riot, or hitting an animal such as a birds or deer, less the deductible you choose. Comprehensive will also reimburse you if your windshield is cracked, chipped or broken.
This coverage pays for damage to your car resulting from a collision with another car, an object or as a result of flipping your car over. Also hitting a potholes and doing damage to your car. If you are at fault for the accident, your collision coverage will reimburse you for the costs of repairing your car, less the deductible you choose. If you’re not at fault, your insurance company may try to recover the amount they paid you from the other driver’s insurance company. If they are successful, you’ll also be reimbursed for the deductible.