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AUTO INSURANCE
What Do Limits of Liability Mean?
These limits specify the most that will be paid under any particular coverage. It's how much protection you have.
Bodily Injury Liability
Pays someone else if you cause injury to them with your car and are liable.
Property Damage Liability
Pays the damage to someone's auto or property that you are liable for.
Uninsured Motorist Coverage
Pays you for your injuries if you are injured by someone without auto insurance.
Underinsurance
Pays you if the auto that causes you injury has insurance, but it is less than your coverage. In that case, it pays for the amounts you are awarded over the other party's amount of coverage.
Medical Payments (available in some states)
Protects you, passengers and resident relatives for medical expenses caused by an auto accident.
No Fault Coverage (also called Personal Injury Protection - if required in your state)
Pays your medical bills, lost wages, and other expenses regardless of who is at fault. Limitations apply, so contact agent for questions.
Collision Coverage
Pays for the damage to your auto in the event of collision with another auto or object, or if your vehicle overturns. Pays for your car even if it's your fault.
Comprehensive Coverage
Pays for perils such as fire, theft, vandalism and falling objects.
Rental Reimbursement
Pays you a set amount per day to rent a car in case of a covered claim. Usually has a time limit of 30 days.
Towing/Road Service
Reimburses you for towing or certain road service expenses if your car is disabled.
Death & Disability
In some states, you may be able to purchase supplementary coverage if death or disability results from an auto accident.
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