Question 1

What are the limits of my policy?

Accepted Answer

Bodily Injury Liability (BI): pays for medical and legal protection should you or another insured on your policy cause bodily injury or death to another person while operating your vehicle up to $30,000 per person, and up to $60,000 per auto accident.
 
Property Damage Liability (PD): pays for damage to another's property caused while operating your vehicle. This covers damage to property such as vehicles, poles, fences, etc. up to a total amount of $25,000.

Question 2

What is comprehensive coverage?

Accepted Answer

Comprehensive car insurance is usually overshadowed by its better known cousin, collision insurance, but it's just as important. Otherwise known as "other than collision" or "comprehensive coverage". It actually doesn't give you complete coverage, contrary to what its name might indicate. Comprehensive car insurance covers damage to your vehicle not caused by a collision.
 
Types of Damage Covered Under Comprehensive Auto Insurance
 
Below are a couple examples of accidents and mishaps other than fender-benders:
 • Natural disasters: storms, tornadoes, hurricanes, earthquakes, hailstorms
 • Fire, civil commotions, explosions
 • Vandalism and theft
 • Damage from impacts with animals (deer, etc.)
 • Broken / shattered windows and windshield
 • Falling objects

Question 3

What is collision coverage?

Accepted Answer

Collision coverage refers to protection for your car when it is involved in a crash with another vehicle or a stationary object. Most car crashes and auto accidents fall under this kind of insurance coverage. The types of damages include crashing into another vehicle, another vehicle colliding with yours, or ramming into a street light, pole, or some other stationary object. It'll cover the cost of repairs or replacements to your own car (liability coverage and insurance takes care of damages to other people's property).

Question 4

What is rental coverage?

Accepted Answer

Rental coverage pays for the cost of a rental car when you need a rental car because of an event covered by your policy. For example, if you’re in a wreck and need a rental, then the policy would pay for a rental. But if you need a rental because your car has mechanical issues, the rental coverage wouldn’t likely apply in that situation. Rental is a suplemental coverage that must be requested and there is a limit of up to $25 a day and a maximum of $750 per occurrence depending on the coverage purchased.

Question 5

What is towing coverage?

Accepted Answer

Towing coverage will reimburse you for towing charges that are incurred when you can’t drive your car. Coverage will reimburse up to $40 per disablement.

FAQ

Frequently Asked Questions