The following is a general list of auto insurance coverages and endorsements that may be available depending on the insurer’s product offering and your individual policy type. It is recommended that you review and inquire about coverages that ideally suit your needs and resources.
AUTO INSURANCE COVERAGES
Bodily Injury Liability – Covers injuries cause to others. Generally most personal auto policies use split limit coverage, which pays a limit per person and a limit per occurrence. For example, $100,000 per person/$300,000 per accident. An alternative to split limits is combined single limit (CSL). CSL provides a single limit that applies to any combination of bodily injury and property damage liability claims. For example, $500,000 CSL for liability.
Property Damage Liability (REQUIRED: $10,000 minimum) – Covers damage to the property of others
Personal Injury Protection (PIP) (REQUIRED: $10,000 minimum) – Covers a portion of medical costs, funeral expenses, and lost wages due to injury sustained in a car accident by you and possibly passengers and/or resident relatives. The sum of Medical Expenses, Income Loss and Loss of Services benefits combined cannot exceed the basic aggregate $10,000 limit.
Medical Payments – Pays expenses incurred for your necessary medical and funeral services following a car accident that results in injury. This kicks in after personal injury protection.
Uninsured Motorist – Covers your property damage when someone who is not insured is responsible. Insured with multiple vehicles can select stacked option to increase coverage.
Collision – Pays for damage caused by colliding with another object. Deductible applies. Coverage selection is for each vehicle individually. Coverage is optional, but generally required by lienholder of vehicle.
Comprehensive – Pays for damage caused by something other than collision. Deductible applies. Coverage selection is for each vehicle individually. Coverage is optional, but generally required by lienholder of vehicle.
Emergency Roadside Assistance – Assists with towing, battery jumpstarts, fluid delivery, and lockout service. Services vary by carrier.
Rental Reimbursement– Assists with replacement vehicle while your vehicle is being repaired after a covered loss.
Replacement Coverage (GAP) – This is an option with some insurers, that pays the value of a brand-new car of the same make and model, minus the deductible, if your car is declared a total loss. Replacement coverage generally applies only to newer cars and is available only if you have collision and comprehensive insurance.
AUTO INSURANCE ENDORSEMENTS