Personal Automobile Coverage

The liability coverage of the personal auto policy provides protection against legal liability arising out of the ownership or operation of an automobile. The insuring agreement agrees to pay damages for bodily injury or property damage for which the insured is legally responsible because of an automobile accident.

Motorcycles require their own separate policy which has coverages very similar to an Automobile policy.

Types of Coverage are as follows:

• Medical Payments Coverage
  The policy states that the insurance company will pay all reasonable and necessary medical and funeral expenses incurred by an insured because of bodily injury caused by an accident. The insured is the named insured and family members, and any other person injured while occupying a covered auto.
• Uninsured Motorist Coverage
  This policy pays for bodily injury to an insured who is injured by an uninsured motorist, a hit-and-run driver, or a driver whose insurer becomes insolvent. Usually when property damage is added a deductible would apply.
• Underinsured Motorist Coverage
  This coverage can be added to the policy to supplement the uninsured motorist coverage. Underinsured motorist coverage applies when a negligent driver has liability limits at the time of an accident, but the liability limits carried may be insufficient to pay for damages that the negligent driver is responsible for. This is when the insured's underinsured motorist's coverage would apply and payment for the difference could be made.
• Physical Damage Coverages:

  Collision Coverage This coverage provides protection against the damage of your auto or non-owned auto or a collision with another vehicle or object. Collision losses are paid regardless of fault. Comprehensive Coverage This coverage provides protection against any loss or damage to a covered auto resulting from loss other than a collision. An example of this coverage is when a flying object from the road hits a windshield causing a crack. Towing/Labor and Rental These types of coverages are additional and are considered endorsements added to the policy. You pay an additional premium to have this and it generally carries a maximum limit of coverage.

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