Bodily Injury Protection

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.

Recommended Limits

Liability protects you if you are at fault in an accident. If you don't carry enough liability, you may be sued for your personal assets -- your home, savings, investments, or income.  When determining how much coverage is appropriate for you, consider all the assets you want to protect.  For additional help, you can use our coverage calculator or call our knowledgeable insurance professionals.

Property Damage Liability

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.

Recommended Limits

Liability protects you if you are at fault in an accident. If you don't carry enough liability, you may be sued for your personal assets -- your home, savings, investments, or income.  When determining how much coverage is appropriate for you, consider all the assets you want to protect.  For additional help, you can use our Coverage Calculator or call our knowledgeable insurance professionals.

Uninsured Motorist Bodily Injury

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.

Recommended Limits

Generally, your Uninsured Motorist coverage should be equal to your Bodily Injury Liability, so that you provide the same level of coverage for yourself – if you are injured -- as you would for others.

Uninsured Motorist Property Damage

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.

Recommended Limits

Consider a limit of liability that will be sufficient to cover your vehicle and/or its contents in the event that you are in an accident with a hit-and-run driver, a driver with no coverage, or a driver who has some coverage but not enough to cover the damage to your vehicle.

Underinsured Motorists

This coverage pays benefits for the bodily injury or death of you and any passengers in your car if you are involved in an accident caused by a driver who has some insurance, but not enough to cover the losses that result from the accident.

Recommended Limits

Generally, your Underinsured Motorist coverage should be equal to your Bodily Injury Liability, so that you provide the same level of coverage for yourself – if you are injured -- as you would for others.

Personal Injury Protection (No-Fault)

Pays benefits for the cost of personal injuries resulting from an automobile accident.  Coverage applies without regard to who was at fault in the accident.  It applies only to injuries, and it does not cover damage to a car, or to any other property. 

Coverage is provided on a per person - per occurrence basis.

Recommended Limits

$50,000 minimum

Medical Payments

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.

Recommended Limits

$5,000 minimum

Collision

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.

Recommended Limits

Recommended for vehicles 7 years old and newer with a deductible that is financially comfortable for you.  Keep in mind you may be able to lower the cost of your coverage by choosing a higher deductible. 

Comprehensive

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.

Recommended Limits

Recommended for vehicles 10 years old and newer with a deductible that is financially comfortable for you. Keep in mind you may be able to lower the cost of your coverage by choosing a higher deductible.

Full Glass

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

Towing & Labor

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.)

Rental Reimbursement

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.

Disability Benefits

Loss of income due to covered injury is paid in full regardless of any Workers' Compensation or other insurance benefits available. Limit - $60 per week for 52 weeks if gainfully employed, $30 per week for 52 weeks if unemployed. The period of disability must be at least 14 consecutive days. This coverage applies only to named insureds.