| Liability: |
Covers
your legal liability for property damage and bodily injury you
cause to others in an accident. In many states it may cover your
legal liability to your passengers. |
| Collision: |
Covers
damage to your auto sustained in an accident. |
| Comprehensive: |
Sometimes
referred to as "other than collision," this coverage pays for
losses to your auto from fire, vandalism, theft, objects falling
on your auto, contact with animals and broken glass. |
| Uninsured
Motorist: |
Provides
protection for bodily injury if another party is legally liable
but does not have insurance. Some states require Uninsured Motorist
Property Damage insurance, as well. |
| Underinsured
Motorist: |
Applies
when the liable party's insurance is insufficient to pay for the
extent of your bodily injury. |
| Medical
Payments: |
Pays
your medical expenses, up to the limit of the coverage, for injuries
sustained as a result of an auto accident. |
| Personal
Injury Protection: |
Pays
medical, funeral or lost wage costs for the person specified in
the policy in the states where it applies. |
| Optional
Coverages |
| Accessories: |
Since
collision and comprehensive insurance covers only the stock auto
itself, many owners add "accessory coverage" to protect custom
equipment such as added stereos and cd changers, custom wheels
and paint. |
| Emergency
Road Service: |
Covers
expenses when your auto breaks down or needs a tow when you are
away from home. |
| Car
Rental: |
Pays
for a rental car for you to drive while your damaged auto is being
repaired. |
| Full
Glass Coverage: |
Pays
for replacement of broken windows that may not be covered under
other policy limits. |