Below is a brief description 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 encompassing. 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 / Underinsured Motorist
Is coverage you purchase to protect yourself from those who for whatever reason, do not have liability coverage (or enough coverage) at the time they would become legally liable to you. Coverage can be purchased for bodily injury and in some states property damage as well.
Is coverage for minor injuries to persons injured in your vehicle. This coverage may be purchased in amounts usually ranging from $500.00 to $10,000.00
Is coverage for damage to your vehicle caused by such things 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.
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 collision deductible that you chose at the time you purchased your policy.
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
Is coverage to provide you with a replacement vehicle while your vehicle is being repaired due to a collision or comprehensive claim. It will pay a daily rate selected by you at the time you purchase the policy, usually from $15.00 to $50.00 per day. There is also generally a limit on the number of days or a maximum dollar amount that will be paid.