What Does Auto Insurance Cover?
There are several categories of auto insurance, each of which covers a different aspect of your risk as a driver.
Here is a brief overview of these types of coverage:
- Liability
- If the person driving a vehicle is considered at fault in an accident the liability coverage will pay for repairs as well as medical costs to policy limits caused by that accident. You choose the liability coverage limits at the time of purchase, There are two parts to a liability coverage BI Bodily Injury and PD Property Damage. The limits are the maximum amount that will be paid out by the policy.
- Collision
- If you collide with another vehicle or an object the collision coverage of the policy will pay for damages on your vehicle minus the deductible you have chosen.
- Comprehensive
- Comp also known as ( other than collision ) coverage will pay for repairs to your vehicle when damage occurs when it is not your fault. There is one exception to that ( damage is caused by a hit and run ). Examples of comprehensive coverage are Hail storm or wind damage or a tree limb falling on your vehicle etc.
- Medical
- Medical coverage section is optional. If you chose medical coverage it pays for injuries that you or a family member suffer when injuries happen during an auto accident. Limits are chosen by you at the time policy is activated.
- Uninsured and Underinsured Motorist
- This coverage will pay for medical costs stemming from injuries caused during vehicle accident when the other vehicle was at fault but failed to secure any liability coverage for their vehicle.
- Roadside Assistance
- ERS Emergency Road Assistance is an option on an auto policy that will pay or reimburse you if you need to be rescued if your vehicle breaks down when on the road. Towing, calling out a locksmith and emergency tire changes are common uses of ERS.
- Rental Reimbursement
- RR is an optional coverage as well. If chosen will reimburse you if need to rent a vehicle when your vehicle is in the body shop as a result of an auto accident.


