Important Insurance Coverages
There are several coverages in your policy that you should pay special attention to. You may have noticed some of these as you have flipped though previous policies. It is important to get these right to protect you and your family.
Bodily Injury Liability This is often the first coverage listed, and covers you in case you cause bodily injury to someone else. Having higher bodily injury limits allows you to also carry higher UM/UIM coverages as well.
Uninured and Under-insured Motorist: This coverage pays you and the people inside your car in the event that the other party has either not enough bodily insury liability insurance or is not insured at all. This is very important because you cant control how much (if any) insurance other people carry.
Collision: This part of your policy protects you against damage to your car when its involved in an accident like colliding with another car, tree, building, etc.
Comprehensive: This coverage protects against damage that result from anything other than another moving or fixed object. This would include things like hail, theft, road debris, etc.
Property Damage: If you cause damage to someone else’s car, home, office, or some other property, this part of your policy will pay them for that damage.
Expand the section below for a larger auto insurance glossary.