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Auto Insurance Coverages
There are many different types of coverages
available for your auto insurance needs. Some
are required and some are optional. Be sure
to check the declarations page to verify that
your policy includes all of the coverages
that you intended.
Here are brief descriptions of the available
coverages:
Liability
Covers bodily injury and damage to property that you cause to others while operating your
car. This coverage is required by most states.
Personal injury protection
Covers medical and hospital costs, income continuation, funeral expenses, and loss of services
subject to the coverage limits.
Medical payments
Covers medical and funeral expenses (not all companies offer this coverage).
Uninsured/underinsured motorist bodily injury
Covers injury that an uninsured or underinsured driver causes to an insured person.
Uninsured/underinsured motorist property damage
Covers property damage that an uninsured or underinsured driver causes to your insured vehicle.
Collision coverage
Covers damage to your car that is caused by a collision.
Comprehensive coverage or other than collision
Covers damage to your car -- except by collision.
Emergency road service
Covers towing when your car breaks down.
Car rental expense
Covers rental cost as described in your policy if you need to rent a car due to a covered
claim.
Death, dismemberment and loss of sight
Pays for death/certain injuries to persons named in the policy when due to an auto accident.
Gap coverage
In the event that your vehicle is a total loss, it pays the gap between the market value of
the vehicle and the loan payoff amount.
Custom equipment coverage
Covers direct and accidental loss to custom furnishings or equipment.
Many companies have other endorsements available. Ask your insurance agent or broker about:
Trailer/camper body coverage
Snowmobile coverage
Limited Mexico coverage
Joint ownership coverage
Auto load/lease coverage
Remember to check your declarations page to verify the coverage you have purchased.
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