Auto Insurance

Personal Auto coverage consists of Bodily Injury, Property Damage, Uninsured Motorist, Personal Injury Protection, Medical Payments, Comprehensive, Collision, Towing and Rental coverage. There is a little variation in the definition of these terms from company to company. Companies may offer higher limits of coverage but the basic definitions read very much alike.

  • Bodily Injury covers the injury you cause to someone.
  • Property Damage covers the damage you do to someone's property.
  • Uninsured Motorists covers you if you are injured by another person and that person has no insurance or has lower limits that you are entitled to receive.
  • Personal Injury Protection covers you and your passengers' injuries. (Personal Injury Protection may be known by other terms in states other than New York.)
  • Medical Payments cover you and your passengers' injuries when the personal injury coverage exclusion is triggered. This can also act as an excess limit of coverage if your personal injury protection is exhausted.
  • Comprehensive covers all damage to the car except damage caused by collision.
  • Collision covers damage caused by contact with another vehicle or property.
  • Towing Roadside Assistance covers the cost of having your car towed or repaired at the site of breakdown.
  • Rental reimbursement covers the cost to rent a car while your car is being repaired due to a covered claim.