Liability
Bodily Injury - Pays claim against owner if someone is killed
or injured and owner is at fault. Includes hospital and doctors
bills, legal fees, court costs, and loss of wages.
Liability Property Damage - Pays claim against owner
if property of others is damaged and owner is at fault. Includes
other car and possessions in car. Also includes damage to home,
telephone pole, traffic light, etc.
Uninsured Motorist Bodily Injury - Coverage pays for
injuries to you and your passengers resulting from the negligenge
of an uninsured and underinsured motorists. Includes hospital,
doctor bills, and loss of wages.
Uninsured Motorist Property Damage - Coverage (with Collision)
waives deductible if car is damaged by uninsured and underinsured
motorist when information on driver is available. Does not apply
to hit-and-run.
Comprehensive Coverage - Coverage pays cost of repairing
or replacing owner's car when damaged. Includes occurences such
as fire, earthquake, theft, storm, flood, wind, riots, and glass.
Typically discontinued after 7 to 10 years of ownership or when
value of car no longer justifies cost of coverage.
Collision Coverage - Coverage pays cost of repairing
or replacing owner's car when damaged due to an accident. Includes
repair or replacement of any car on the policy driven by owner
or with owner's permision. Typically discontinued after 7 to
10 years of ownership or when value of car no longer justifies
the coverage.
Medical Coverage - Coverage pays medical cost for you
and your passengers injured in any collision. Pays immediate
medical costs up to level of coverage.
Towing Coverage - Coverage pays cost of towing or minor
repair to disabled car. Includes dead battery, out of gas, flat
tire, and accident (regardless of cause or fault.) Not needed
if owner has road service from an auto manufacturer or belongs
to an automobile club with towing service.
Rental Coverage - Coverage pays for renter car when insured's
car is in a repair shop due to a covered loss.
DISCLAIMER: Descriptions of insurance coverages are offered
solely as general informaion to the viewer and do not purport
to be full desciptions of coverages or of the limitations, exclusions,
or qualifications which may be applicable thereto. For actual
coverages, reference must be made to the individual policy issued.
What to do if you're in an accident
According to the latest statistics by the National Safety Council,
one in eight licensed drivers is involved in an automobile accident
each year. Whether or not you become one of those unfortunate
drivers involved in a collision, the following information from
the National Association of Chiefs of Police can help you lessen
the headaches and expense of an accident.
Don't leave the scene. If vehicles are operable, move them to
the shoulder, out of the way of oncoming traffic.
Call for medical assistance if there are any injuries. Provide
basic first aid, but don't move an injured person unless you
possess medical or lifesaving expertise
Get the officer's name, badge number, police station address,
and phone number. Ask when the accident report will be filed,
its case and report number, and how you can get a copy
Take careful note of the date and time of the accident, the
street and city, weather and road conditions, direction and
speed you and other drivers were going, and how the accident
occurred.
