Auto Insurance Coverage Choices

Most people have some form of insurance, however many do not have a clear understanding of coverage or policy options: vital versus convenience coverages.

Vital Coverages

Bodily Injury -

• Pays for bodily injuries to other people or damage to their property, if you are liable
• Coverage is provided whether your car is driven by you, a qualified family member or another driver using your car with your permission
• In most cases, you're covered in a car you borrow or rent temporarily
• You select the monetary limits of your own policy
• Includes costs to defend claims and/or lawsuits

Uninsured/Underinsured Motorist -

• Covers bodily injuries to you, qualified family members and any other person occupying your covered auto, caused by an uninsured motorist or a hit-and-run driver
• You select the monetary limits up to the same limits carried for bodily injury coverage
• Coverage applies if a motorist does not have adequate coverage to pay for your injuries as a result of an accident
• Uninsured Motorist Property Damage endorsement is available in certain states for property damage caused by an uninsured motorist or a hit-and-run driver

Medical Expenses -

• Covers necessary medical treatment arising from an auto accident, regardless of fault, for you and your qualified family members or passengers
• In some states, lost income and essential household services may be covered
• Provides peace of mind that passengers in your vehicle will have medical coverage even if they don't have their own medical insurance
• You select the amount of coverage provided by the policy

Please click to continue to the next page for explanations on convience coverages...