Auto Coverages
- Bodily Injury- When you are found legally responsible for a car accident, bodily injury coverage is the part of your insurance policy that pays for the costs associated with injuries to the other person or people involved. This coverage also provides a legal defense in the event that you are sued for injuries.
- Property Damage- Damage to or destruction of property, including loss of use of the property.
- Uninsured Motorist- Coverage designed to provide protection for the insured if he or she is involved in an accident in which an uninsured motorist is at fault.
- Underinsured Motorist- Coverage that pays the difference between the insured's actual damages for bodily injury and the amount of liability insurance carried by the at-fault driver.
- Comprehensive- A broad physical damage coverage that covers all property losses except collision and those perils or property that are specifically excluded. Coverages such fire, theft, or glass are comprehensive coverages.
- Collision- A type of physical damage coverage that covers loss that occurs when the insured auto strikes another object or vehicle.
- Rental Reimbursement- A type of optional car insurance coverage that helps pay for the cost of a rental car while you vehicle is being repaired after an accident or suffering damages that are covered through your car insurance policy.
Home Coverages
- Coverage A Dwelling Coverage- Covers the dwelling and the structures attached to the dwelling.
- Coverage B Other Structures- Covers buildings on the described premises that are separated from the dwelling by clear space.
- Coverage C Personal Property- Provides coverage for person property owned or used by an insured.
- Coverage D Loss of Use- Provides coverage for additional living expense if a covered property loss makes the home uninhabitable.
- Coverage E Personal Liability- provides coverage for bodily injury and property damage sustained by others for which you or covered residents of your household are legally responsible.
- Coverage F Medical Payments- Provides coverage If someone is injured on your property, the medical payments portion of your policy will reimburse that individual's medical expenses up to the limit you purchased.
