Protects you against financial loss when you are held legally responsible for an automobile accident causing injury or death to someone else.  This coverage also includes the legal costs involved in your defense for a covered suit as well as court costs and bail bond expenses.

The coverage amount is a “Split Limit,” such as $100,000/$300,000.  The first figure is the maximum limit provided for one injured person.  The second figure is the limit provided for two or more persons in any one accident or occurrence.

Pays for damage to your covered vehicle (up to its actual cash value), less the deductible amount, for losses caused by collision.

Collision means contact with a physical object, such as another vehicle or a structure. 

If you plan to purchase Collision coverage, selecting a higher deductible generally helps to reduce the cost of your insurance.

This coverage is available only if you carry Comprehensive coverage.

Pays for damage to your covered vehicle (up to actual cash value), less the deductible amount, as a result of damage caused by events such as:  fire, theft, glass breakage, riot, windstorm and hail.

If you plan to purchase Comprehensive coverage, selecting a higher deductible generally helps to reduce the cost of your insurance.

 Comprehensive is often required when your car is financed or leased.

Pays the amount of a covered glass loss with no deductible.  This coverage is optional and can be purchased for an additional premium.

This coverage pays reasonable and necessary medical expenses up to the selected limits, directly resulting from an auto accident.  This may include medical care, recovery, rehabilitation and remedial care, as outlined in your policy.  Coverage varies by state.

Covers you against financial loss if you are found liable for damage to other people’s property (e.g. light poles, fences, another vehicle, etc.) caused by your auto

If you car becomes inoperable due to a covered loss and you need to rent a substitute, this coverage pays the cost of the rental car up to your policy limits.

This coverage is available only if you carry Comprehensive and Collision coverage.

This coverage pays up to the selected limit for towing of your covered vehicle when it is inoperable, whether or not there is an accident involved.  (Note:  You must also select Comprehensive coverage to obtain this coverage.)

This coverage pays bodily injury or death expenses for you and any passengers in your vehicle up to your policy limits if you’re struck by a driver who doesn’t have insurance, or if you’re struck by a “hit-and-run” driver that you cannot identify.

This coverage pays for damage to your vehicle when it is struck by an uninsured driver, a hit-and-run driver, or an insured driver whose Property Damage Liability limit is inadequate to cover the property damage losses incurred.