Service Overview
Auto Insurance
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Auto insurance protects you from financial losses arising from an accident or theft. It is a contract between you and the insurance company, whereby you agree to pay the premium and the insurance company agrees to pay your losses as defined in the policy.
Auto insurance provides drivers and passengers financial protection from accidents or other vehicle-related accidental occurrences. It is a legal contract between the policyholder and insurer indemnifying against listed perils and risks within the specified policy term and coverage limits. Each state sets their own auto insurance laws, but most require a minimum level of auto insurance coverage. Vehicle owners frequently purchase auto coverages beyond the minimum amount set by the state. The premium vehicle owners pay to insurers to be insured reflects the policy’s level of coverage and risk factors.
The primary coverage types in an auto policy are:
- Bodily injury: pays for costs related to another person’s injuries when the driver is at fault
- Property damage: pays for damage done by the driver to another person’s property while driving
- Uninsured motorist: pays for costs incurred by driver if injured by someone without auto insurance
- Collision: pays for damage to the driver’s vehicle from colliding with another vehicle or object
- Comprehensive: pays for damage to the driver’s vehicle for most other causes (fire, weather, theft)
- Medical payments: pays to treat the injuries of the driver and passengers
- PIP: pays medical payments, lost wages and funeral costs
- Excess Medical Payments: pays for medical costs exceeding PIP benefits
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Here are some of the risks a driver may face:
You cause an accident
Risk:
You cause a minor collision when glare from the setting sun blinds you in rush hour traffic. Damage is relatively minimal, but the other driver says her neck is in pain.
Coverage:
Liability insurance coverage pays for bodily injury and property damage to another that results from covered losses you cause.
You accidentally damage your own car
Risk:
You’re on your way to a ski weekend when you lose traction on an icy road — the impact when you slide into a guardrail damages your SUV’s front fender.
Coverage:
Collision coverage can help repair your vehicle if it’s damaged — or compensate you for its value if it’s a total loss.
A hailstorm dents your car
Risk:
A sudden hailstorm cracks your car’s windshield and leaves dozens of dents on the hood, roof and trunk of your vehicle.
Coverage:
Comprehensive coverage can help when your car is damaged by something other than a collision.
An uninsured driver hits you
Risk:
You suffer minor injuries when another driver runs a red light and clips your car’s rear fender. On top of it all, the driver doesn’t have auto insurance.
Coverage:
Uninsured motorist coverage covers the costs of your bodily injuries — up to your policy limit – when they are caused by an at-fault driver without any auto insurance. Underinsured motorist coverage picks up the costs of your injuries when an at-fault driver has some insurance, but not enough to cover all of your damages.
Your son is injured in a single-car wreck
Risk:
Your son and a passenger are both injured when his subcompact hits a tree.
Coverage:
Medical payments coverage can help with medical expenses if they’re caused by a covered accident — regardless of fault.
You can’t work during physical therapy
Risk:
You miss several days of work while receiving physical therapy for injuries sustained in a car accident.
Coverage:
Personal Injury Protection (PIP), where available, can help with medical and rehabilitation expenses, as well as lost wages.