Bodily Injury Liability
If you are at fault in an accident and someone is injured, this coverage will help pay their medical bills and income lost due to the injury.
Property Damage Liability
If you are at fault in an accident, this coverage will assist in paying for damages to another person’s vehicle or property.
This coverage is beneficial for you and your vehicle in the event that you are in an accident caused by an uninsured driver or in case of a hit-and-run.
If you are in an accident caused by someone who does not have enough insurance to cover the costs of the accident, then this insurance will assist in taking care of you and your vehicle.
This coverage helps to pay medical cost for yourself as well as passengers in covered auto accidents.
Even if you are at fault, collision coverage will pay for damages to your vehicle caused by hitting another vehicle or object.
Comprehensive coverage, also know as “other than collision,” helps cover cost for damages to your vehicle by fire, theft, vandalism, weather incidents and accidents caused by or involving animals.
This is 24/7 access to emergency help if you need fuel, a jumpstart, a tire change or a tow.
This is an optional endorsement that provides coverage for aftermarket parts and equipment that did not come stock on your vehicle directly from the manufacturer. If you have comprehensive coverage then you automatically get $3,000 of coverage, but you can buy up to $30,000 of coverage.
This optional endorsement is available to vehicles that are less than 10 years old. Having this endorsement ensures that your vehicle is repaired with new parts from the original equipment manufacturer (OEM). If for some reason an OEM part is unavailable, then you will be issued a payment based on the fair market value of the part.