For most of us, driving a vehicle is the riskiest thing we do. Each time we get behind the wheel we are responsible not only for ourselves, our car and our passengers but others on the road. We have all seen the increase in traffic and see accidents on the road and in the news.
Bodily Injury and Property Damage Liability
Liability coverage pays for damage, due to negligence, that you do to others. Bodily injury liability pays for injury or death to someone else. Property damage liability pays for property you damages due to an accident.
Uninsured motorist (UM) & Supplemental Underinsured motorist (SUM)
Here is another coverage that pays you so check your limits. Many drivers either have no insurance or low limits for Bodily Injury liability to others. If you are in an accident with a driver in one of these situations you may be able to collect under your own policy. This coverage pays for your Bodily Injury only. You can purchase limits up to the amount of your Bodily Injury liability limits.
Damage to your vehicle
Better known as Collision-upset or impact with another vehicle or object and Comprehensive-losses caused by fire, theft, Falling Objects, Explosion, Earthquake, Windstorm, Hail, Vandalism, Riot, Contract with bird or animal, Breakage of glass coverage but may also include Towing and Rental reimbursement coverage’s. This coverage’s pay for damage to your vehicle. Collision and Comprehensive usually have a deductable that first needs to be met in the event of a loss.
