Bodily Injury Liability
Bodily injury liability coverage pays for injuries to others if you have an accident with your automobile where you are at fault. A 25/50 limit means your insurance company will pay up to $25,000 for injuries to one person and a maximum of $50,000 if more than one person is injured in one accident.
Collision
This coverage pays to repair or replace your vehicle if you collide with another auto or crash, regardless of who causes the accident.
Comprehensive
This coverage pays for a loss not caused by an auto collision, such as losses from fire, theft, windstorm, vandalism, falling objects or hitting an animal. Your insurer may charge a deductible for comprehensive claims.
Uninsured (UM)
UM pays for bodily injury if the automobile driver who hits you does not have insurance.
Underinsured Motorist (UIM)
UIM pays for bodily injury if the automobile driver who hits you does not have enough insurance to pay for your bodily injury.
UM and UIM coverages pay for your personal injuries, which includes medical bills, lost wages, permanency of injury and pain and suffering. It does not pay for damage to your vehicle.
Medical Payments
This coverage pays for medical expenses from accidental injury regardless of who was at fault. It covers medical expenses for you and your family or passengers and applies if you travel in your car or some else's.
Rental Reimbursement Coverage
This coverage will permit you to be reimbursed for car rental if you are in an accident with your own car and it is not drivable. If the other driver was "at-fault," that driver's liability insurance coverage may reimburse you for renting a vehicle similar to your own.”
