Did you know....
The more you know about your insurance coverage options, the better prepared you can be! Check out some standard coverages explained below!
Auto Liability Insurance
Simply put: liability limits are the max your insurer will pay for covered losses caused by you. Liability insurance is 𝐫𝐞𝐪𝐮𝐢𝐫𝐞𝐝 in most states!
What it covers:
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Bodily injury to others
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Damage to someone else's property
You'll often see it written as 100/300/100 (Split Limits) — here's what that means
$100k → per person, bodily injury
$300k → total bodily injury per accident
$100k → property damage
Some policies use a Combined Single Limit (CSL) instead — one lump sum (say, $250k) that covers bodily injury AND property damage together, however it's needed.
Comprehensive and Collision Coverage
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Coverage for damage to your vehicle
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Pays up to your vehicle's actual cash value, minus your deductible
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If repairs exceed the value of your vehicle, the claim may be handled as a total loss
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Separate deductible for each coverage -- choose an amount you could comfortably pay out of pocket after a loss
Auto Medical Payments Coverage (MedPay)
Medical Payments Coverage (MedPay) can help pay for medical expenses after an auto accident — for you and your passengers, regardless of fault.
It may help cover:
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Medical bills
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Ambulance/EMT costs
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Dental treatment
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Funeral expenses
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X-rays & surgery
It's a good idea to choose MedPay limits that are at least enough to help cover your health insurance deductible and other out-of-pocket medical costs.
Uninsured/Underinsured Motorist
Bodily Injury Coverage
Uninsured/underinsured motorist insurance covers yours and your passengers' injuries if you're hit by a driver who doesn't have enough or has no auto insurance coverage