Auto Insurance Coverage Basics:

This coverage pays when you are legally liable for bodily injury or death caused by your vehicle. This coverage also pays for your legal defense if you are sued.

This coverage pays when you are legally liable for damage to the property of others caused by your vehicle. Also pays for your legal defense costs if you are sued.

This coverage pays medical benefits, disability benefits, and death benefits which and insured person is entitled to receive because of bodily injury caused by an accident which arises out of the ownership, maintenance or use of a motor vehicle. This coverage applies to you, a resident relative, or an occupant of your covered auto, and a person struck by your covered auto while not occupying a vehicle, without regard to fault.

This covers certain medical and funeral expenses resulting from a motor vehicle accident. This coverage is payable without regard to fault.

This coverage pays you, resident relatives, and passengers in the covered auto, any monetary damages you are legally entitled to recover as a result of bodily injury or death caused by an uninsured motorist.

This coverage pays for loss to your covered auto due to its upset or when it collides with another vehicle or object. This coverage also pays for a collision loss on an excess basis to any non-owned auto, including a rented auto, while that auto is in your custody, or while you are operating it.

This coverage pays for loss or damage to your vehicle caused by in any event other than collision. This includes damages due to events such as fire, theft, windstorm, flood, and vandalism. This coverage also pays for transportation and loss of use expenses under this coverage if you’re covered auto is stolen.

This coverage pays expenses to rent a car if you have a loss covered under comprehensive coverage or collision coverage; this coverage pays up to the limit selected per day for the maximum number of days indicated.

This coverage pays for authorize service representative to provide telling of a covered disabled auto to the nearest qualified repair facility in labor on a covered disabled auto at the place of disablement.