When you’re at fault in an auto accident (also any one you give permission to drive your car)
Pays medical loss, wages, inconvenience, pain and suffering, Up to limits you select
Other people injured in an auto accident including passengers in your car other than household family members
When you’re at fault in an auto accident (also any one you give permission to drive your car). Up to limits you select
Pays for anything other than Bodily Injury (Cars, trees, fences, cargo)
When the other party is at fault and has no insurance or if it’s a hit and run
Pays medical, loss of wages, inconvenience, pain and suffering (Same as liability above)
You, household family members, and passengers in your car
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
Pays medical, loss of wages, inconvenience, pain and suffering (Same as UM above)
You, household family members, and passengers in your car
When you are involved in an auto accident
Reasonable medical expense actually incurred
You household, family members and passengers in your car
When the other party is at fault and has no insurance
Up to $3,500 for collision coverage in CA and $10K in many states
When you have loss other than collision or upset
Pays for fire, theft, vandalism, malicious mischief, total theft, windshields, hail, falling objects, and more (other than collision)
Actual Cash Value minus deductible you choose
When you have a loss to your insured car caused by collision between it and another object or the car is upset
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)
Actual Cash Value minus deductible
When your car is disabled it will be covered up to the limit you choose
Towing and road service (includes if you need gas, tire changed, jump start, keys locked in car away from your home)
When your car is in the shop for a covered loss (comp or collision)
Pays per day limit you choose up to the max benefit or time period (whichever comes first)
For a great many Americans, their home is one of their most valuable assets. Your home can have equity as well as house almost every personal item you own. Protecting it properly is important for many obvious reasons. Homeowner's can actually be over insured, however more times than not they are underinsured. In the event of a disaster, such as a total fire loss, would you rather be a little over insured or under insured?