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Understanding Auto Insurance

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Bodily Injury
if you injure someone in an automobile accident for which you are legally to blame, this coverage will pay claims for injury or death against you and the cost of legal defense.
Property Damage
This like bodily injury liability coverage except that it pays for at-fault damage to someone else's vehicle or property, and for which you are legally liable. This does not cover your car or property
Medical Payments
This coverage pays for medical, hospital or funeral expenses for you and others injured or killed while riding in your car, regardless of fault. It also covers you and family members if struck by a car as a pedestrian or if riding in another car
Uninsured Motorists
not everyone purchases auto insurance. thats why it's important to consider uninsured motorists coverage. if you or your passengers are insured by someone who does not carry automobile insurance, UM coverage will pay for injuries up to your policy limits. This included medical expenses, loss of wages and related expenses. UM coverage also applies if you are the victim of a hit-and-run driver
Underinsured Motorists
Just as some drivers don't carry any insurance, others dont carry enough to pay for damages from their accidents. UIM coverage pays for death and injury expenses to you or occupants of your car when the other person's insurance is inadequate
Uninsured Motorists Property Damage
this is an option to concider when you only purchase liability insurance coverage. it covers damage to your vehicle if involved in an accident with an at-fault uninsured motorist. when you purchase collision coverage for your auto, this coverage is not available or needed.
Collision
Collision coverage pays for damage to your car from an accident regardless of fault. It usually includes a deductible, which means that you pay the first portion for repairs and the company pays the rest. Selecting a larger deductible lowers your collision premium
Comprehensive
This pays for damage to your car caused by most anything other than a collision
Towing and labor
Extra coverage that pays up to a stated amount for moving your car that is disabled.