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Auto insurance is vital to protecting you.  It helps pay for damages from an accident you may cause, or it can help pay repair your vehicle after an accident.  But do you know what your coverage means?  Here we will help explain the terms and coverages so you can be empowered in your insurance shopping experience!


Whether you are shopping for an insurance policy or you’re already one of our customers, it is important to understand the different types of coverages that make up a policy.


Auto insurance is really a package of four (4) primary coverages; Liability coverage, Vehicle Medical Payments, Uninsured Motorists coverage and coverage for Damage to Your Vehicle. Taken together, these coverages make up a standard auto policy. Each of these coverages has its own separate premium. Your premium payment is the total of these separate premiums.

  1. Liability Coverages; Bodily Injury and Property Damage:
    Injury and Property Damage covers losses you are held majority accountable for in a vehicle accident for injury to others or damage to their property.

  2. Vehicle Medical Payments:
    Covers your medical expenses as well as passengers in your vehicle if the expenses are a result of a vehicle accident. There may also be coverage if you are injured by a motor vehicle as a pedestrian. This coverage applies regardless of fault.

  3. Uninsured Motorists Coverage:
    Available in three (3) forms.

    • Uninsured Motorists Bodily Injury pays for injuries you or your passenger(s) received in a vehicle accident caused by a driver who does not have auto liability coverage.

    • Underinsured Motorists Bodily Injury provides additional coverage for your injuries when the at-fault party does not have enough insurance.

    • Uninsured Motorists Property Damage Coverage provides coverage for damage caused to your vehicle by an uninsured motorist.

  4. Coverage for Damage to Your Vehicle; Comprehensive Physical Damage and Collision Coverage:

    • Collision coverage applies to losses to your vehicle that are caused when your vehicle collides with another vehicle or object. Collision coverage is only available when Comprehensive coverage is afforded.

    • Comprehensive coverage (also known as Other Than Collision coverage) applies to losses to your vehicle by perils other than collision. For example, comprehensive insurance covers damage to your vehicle if it is stolen, or damaged by flood, fire or animals. Some other coverages that are available to you when Comprehensive coverage is written are:

      • Rental reimbursement which pays for a rental vehicle when the insured's vehicle is out of commission as a result of a loss covered under comprehensive or collision coverages.

      • Towing and Labor coverage would pay for road service and towing.


* This is a summary and for informational purposes only.  Your actual policy is a contract between you and the insurance company and its provisions apply.  This page does not change any policy provisions and does not add or remove any coverage from the your policy.  The policy provisions will ALWAYS apply to any specific claim.

Image by Clark Van Der Beken
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