Auto Terms

Liability: Covers your legal liability for property damage and bodily injury you cause to others in an accident. In many states it may cover your legal liability to your passengers.

Collision: Covers damage to your auto sustained in an accident.

Comprehensive: Sometimes referred to as “other than collision,” this coverage pays for losses to your auto from fire, vandalism, theft, objects falling on your auto, contact with animals and broken glass.

Uninsured Motorist: Provides protection for bodily injury if another party is legally liable but does not have insurance. Some states require Uninsured Motorist Property Damage insurance as well.

Underinsured Motorist: Applies when the liable party’s insurance is insufficient to pay for the extent of your bodily injury.

Medical Payments: Pays your medical expenses up to the limit of the coverage, for injuries sustained as a result of an auto accident.

Personal injury Protection: Pays medical funeral or lost wages cost for the person specified in the policy to the states where it applies.

Emergency Road Service: Covers expenses when your auto breaks down or needs a tow when you are away from home.

Car Rental: Pays for a rental car for you to drive while your damaged auto is being repaired.

Full Glass Coverage: Pays for replacement of broken windows that may not be covered under other policy limits..