Insurance 101

Below is a brief descripton of general policy language, it's meaning and an explanation of the coverage. Insurance coverages and laws vary from state to state. This information is not meant to be all encompasing.  For specific coverage information in your state contact your local licensed insurance agent or contact your                                     state insurance department

Bodily Injury Liability		Is coverage for injuries that you cause to others that you become legally liable to pay for. Your policy will pay for these injuries to other up to the limit of the policy, which you determine at the time you purchase the policy.
Property Damage Liability		Is coverage for damage to the property of others, cause by you that you are legally liable to pay for. Your policy will pay the cost to repair or replace this property up to the limit of your policy which you determine at the time you purchase the policy.
Uninsured Motorist		Is coverage you purchase to protect yourself from those who for whatever reason, do no have liability coverage at th time they would become legally liable to you. Coverage can be provided for both bodily injury and property damage.
Medical Payments		Is coverage for minor injuries to persons injured in your vehicle. This coverage may be purchased in amounts usually ranging from $500.00 to $5000.00
Comprehensive		Is coverage for damage to your vehicle caused by such tings as theft, fire, hail, hitting a deer, etc... Your policy will pay for the cost to repair or the (ACV) actual cash value, if the vehicle is determined to be a total loss, less the comprehensive deductible that you chose at the time you purchased the policy.
Collision		Is coverage for damage to your vehicle caused by a collision or upset. The policy will pay for the cost to repair or the (ACV) actual cash value if the vehicle is determined to be a total loss; less the cllision deductible tht you chose at the time you purchased your policy.
Towing		Is coverage to have your vehicle towed in the event of a mechanical breakdown. The policy will usually reimburse you for these charges up to the limit of coverage you designated at the time you purchased your policy, usually $50.00 to $100.00
Rental		Is coverage to provide you with a replacement vehicle while your vehicle is being repaired due to a collision or comprehensive claim. It wil pay a daily rate selected by you at the time you purchase the policy, usually from $15.00 to $50.00 per day.