Coverage's are various financial protections for you, your car, and others in the event of an accident or loss where you could be considered responsible. Even though it may not be your fault, the fact that it's your car may make you responsible.

Of course, the more protection you buy means the price will be higher. Conversely, the less protection you buy means the price will be lower. The amount of insurance protection you buy is up to you. You should consider what you have to lose if you don't have enough insurance protection when someone points the finger of responsibility at you. The following are simple explanations of various auto insurance coverage's:

BODILY INJURY LIABILITY (BI)

This coverage protects you if you are involved in an accident and you caused bodily injury to others. It also provides you with a legal defense in case someone sues you because of the accident. If your car is leased, your lease company may require you to buy higher limits of this coverage. THIS COVERAGE IS REQUIRED TO DRIVE LEGALLY.

PROPERTY DAMAGE LIABILITY (PD)

This coverage protects you if you are involved in an accident and you cause damage to someone else's property. If your car is leased, your lease company may require you to buy higher limits of this coverage. THIS COVERAGE IS REQUIRED TO DRIVE LEGALLY.

UNINSURED MOTORISTS BODILY INJURY (UM or UMBI)

This coverage pays you and other passengers in your car for injuries you may receive if someone without insurance hits you.

MEDICAL PAYMENTS (MED or MED PAY)

This coverage pays medical expenses from an accident for you and your passengers, regardless of fault. This coverage can be in excess of any other health insurance coverage you may have. However, it will pay your health coverage deductible and other non-covered expenses from an accident.

COMPREHENSIVE (COMP)

This coverage pays for damages to your car caused by something other than a collision, such as fire, theft, vandalism, or windstorm. This coverage usually has a deductible that you pay to offset costs. A higher deductible means a lower price for this coverage. THIS COVERAGE IS REQUIRED IF YOUR CAR IS FINANCED OR LEASED.

COLLISION

This coverage pays for damages to your car, regardless of fault, when you hit another car or object. This coverage usually has a deductible that you pay to offset costs. A higher deductible means a lower price for this coverage. THIS COVERAGE IS REQUIRED IF YOUR CAR IS FINANCED OR LEASED.

TOWING

This coverage helps offset the cost of towing your vehicle. It usually allows coverage up to a predetermined amount for each towing incident.

RENTAL CAR REIMBURSEMENT

This coverage helps offset the cost of renting a car while your car is being repaired because of a collision. It usually pays a predetermined daily amount for a certain number of days.

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