Auto Insurance

What is auto insurance?

What is auto insurance?
Auto insurance provides coverage for the following areas:

Bodily Injury Liability - This covers injuries for which you are responsible due to an auto accident.

Property Damage Liability - This handles the damages to property for which you are responsible due to an auto accident.

Medical Payments - This provides minimal coverage for medical bills resulting from and auto accident for you and your passengers regardless of who is at fault.

Uninsured and Underinsured Motorist -  Provides coverage for your medical bills if you are involved in an accident with a driver who is at fault and has either no or not enough insurance to cover all your injuries.

Other Than Collision (sometimes called "Comprehensive") - Covers damage to your vehicle for such things as fire, theft, windstorm, hail, hitting an animal, etc.  Also covers damage to auto glass.

Collision -  Just like it says, covers damage to your vehicle if you collide with another vehicle, tree, ditch, etc.

Optional Coverages - Various coverage including:

• Rental reimbursement
• Loan / Lease payoff
• Towing and labor 
• Replacement cost coverage
• OEM parts coverage
• Uninsured motorist property damage
• Accidental airbag discharge
• Lock replacement