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> Auto FAQ's
2.
What are the different types of policies and what do they
cover?
Auto insurance is divided into several types
of coverage:
Liability
covers damage
you cause to other people's property and injuries to the
people themselves.
•
Collision
covers damage
to your own car in an accident.
•
Comprehensive
covers losses
other than collision, such as fire damage to your vehicle,
break-ins, vandalism or theft, as well as natural disasters
(earthquake, hail, hurricane, flood, etc.).
•
Medical payments
insurance,
usually in the range of $1,000 to $5,000, covers medical
expenses for injuries. This "good-faith" coverage guarantees
immediate medical payments for you, and your passengers,
regardless of who is at fault. It also covers you and
members of your household as pedestrians if struck by an
automobile.
•
Uninsured motorist
(UM) and
underinsured motorist
(UIM) coverage
protects you if you are injured in an accident caused by
others who carry insufficient or no liability insurance.
•
Extra coverages
include
expenses for towing, labor, "no-fault" coverage, etc. These
are generally provided as add-ons or "endorsements" to your
policy.
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