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Most people never expect to be in an automobile accident. However, if it does occur, you want to know that your auto insurance policy covers the following basics:

• Liability Coverage
• Medical Payment Coverage
• Uninsured Motorist Coverage
• Coverage for Damage to Your Auto

Auto insurance is an important investment. Not only is it required by law, unless you apply with the state as self-insured (usually need to be bonded), but auto insurance can help protect your household and those that might be injured by your car in an accident.

Auto Insurance (Car Insurance) Liability Coverage indemnifies you up to the policy limits. It is protection against damage or bodily damage as a result of a car accident that you are legally responsible for.

Auto Liability Coverage is usually written in this manner:

• $50,000 per person for bodily injury
• $100,000 per accident for bodily injury
• $50,000 per accident for property damage

Medical Payment Coverage covers medical injuries and possible funeral expenses (for you, family members and other passengers in your covered vehicle) that occur as a result of car accident.

Uninsured Motorist Coverage

• Promises to pay for bodily injury (to the insured, you) caused by a person considered an uninsured motorist (but must meet the state’s definition)
• Some states allow you to be indemnified for property damage
• This auto insurance coverage may differ from state to state

Coverage for Damage to Your Auto

• Covers physical damage to your car, not owned vehicle or short term rentals
• Collision
• Other than Collision

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