Auto Insurance Coverage
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AUTO INSURANCE COVERAGE

BODILY INJURY LIABILITY BODILY INJURY LIABILITY
--- Coverage: Pays claim against owner if someone is killed or injured and owner is at fault.
--- Claim Includes: Hospital and doctor bills.  Legal fees.   Court costs.  Loss of wages.
--- Notes: Required in many states.  Needed by all car owners.  Minimum coverage required is generally too low.
PROPERTY DAMAGE LIABILITY PROPERTY DAMAGE LIABILITY
--- Coverage: Pays claim against owner if property of others is damaged and owner is at fault.
--- Claim Includes: Other car and possessions in the car.  Damage to home, telephone pole, or traffic light.
--- Notes: Required in many states.  Needed by all car owners.
UNINSURED MOTORIST UNINSURED MOTORIST
--- Coverage: Pays for injuries to you and your passengers resulting from the negligence of an uninsured motorist or a hit-and-run driver.

--- Claim Includes: Hospital and doctor bills.  Legal fees.   Court costs.  Loss of wages.(Does not cover property damage in most states.)
--- Notes: Required in many states.  Needed by all car owners.
COLLISION COLLISION (usually requires comprehensive coverage along with collision.)
--- Coverage: Pays cost of repairing or replacing owner's car when damaged due to an accident.
--- Claim Includes: Repair or replacement of any car driven by owner or with owner's permission.
--- Notes: Important for new or expensive cars.  Drop after 7 to 10 years of ownership or when value of car no longer justifies coverage.
COMPREHENSIVE COMPREHENSIVE
--- Coverage: Pays cost of repairing or replacing owner's car.
--- Claim Includes: Fire.  Earthquake.  Theft.   Storm.  Flood.  Riots.  Wind.  Vandalism.
--- Notes: Important for new or expensive cars.  Drop after 7 to 10 years of ownership
MEDICAL MEDICAL- PAYMENTS
--- Coverage: Pays medical costs for you and your passengers injured in the collision.
--- Claim Includes: Pays all immediate medical costs (generally in addition to other medical.)
--- Notes: The insurance does not require a legal process to determine fault, while bodily-injury usually does.
TOWING TOWING
--- Coverage: Pays cost of towing or minor repair to disabled car.
--- Claim Includes: Dead battery.  Out of gas.  Flat tire. Accident (regardless of fault.)
--- Notes: Good to have. Not needed if owner belongs to an automobile club with towing service.
Disclaimer notice:
        Above mentioned terms and definitions are not intended to replace or be the exact explanation of the definitions or conditions of your policy, they are merely for general information purposes. For exact definitions and conditions applying to your auto insurance, please refer to your auto insurance policy agreement.


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