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Questions About Liabilty Coverage

Bodily Injury

When does it pay?

When you’re at fault in an auto accident (also any one you give permission to drive your car)

What does it pay?

Pays medical loss, wages, inconvenience, pain and suffering, Up to limits you select

Who does it pay?

Other people injured in an auto accident including passengers in your car other than household family members

Property Damage

When does It pay?

When you’re at fault in an auto accident (also any one you give permission to drive your car). Up to limits you select

What does it pay?

Pays for anything other than Bodily Injury (Cars, trees, fences, cargo)

Uninsured Motorist

When does It pay?

When the other party is at fault and has no insurance or if it’s a hit and run

What does it pay?

Pays medical, loss of wages, inconvenience, pain and suffering (Same as liability above)

Who does it pay for?

You, household family members, and passengers in your car

Underinsured Motorist

When does It pay?

When the other party is at fault your policy pays the excess of when the other party’s policy limits are exhausted or quits paying, up to your policy limits

What does it pay?

Pays medical, loss of wages, inconvenience, pain and suffering (Same as UM above)   

Who does it pay for?

You, household family members, and passengers in your car  

Medical Expenses

 

When does It pay?

When you are involved in an auto accident

What does it pay?

Reasonable medical expense actually incurred

Who does it pay for?

You household, family members and passengers in your car

Physical Damage

Uninsured Motorist Property Damage

When does It pay?

When the other party is at fault and has no insurance

What does it pay?

Up to $3,500 for collision coverage in CA and $10K in many states

Comprehensive Car Damage

When does It pay?

When you have loss other than collision or upset

What does it cover?

Pays for fire, theft, vandalism, malicious mischief, total theft, windshields, hail, falling objects, and more (other than collision)

What does it pay?

Actual Cash Value minus deductible you choose

Collision or Upset

When does It pay?

When you have a loss to your insured car caused by collision between it and another object or the car is upset

What does it cover?

Damage to your car regardless who’s at fault (will not pay for loss if the operator of your car is a youthful driver that resides with you and is not listed on the policy as a driver)

Who does it pay?

Actual Cash Value minus deductible

Towing & Emergency Roadside Assistance

When does It pay?

When your car is disabled it will be covered up to the limit you choose

What does it cover?

Towing and road service (includes if you need gas, tire changed, jump start, keys locked in car away from your home)

Rental Car Coverage

When does It pay?

When your car is in the shop for a covered loss (comp or collision)

What does it pay?

Pays per day limit you choose up to the max benefit or time period (whichever comes first)

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