Auto Insurance:
Your auto insurance should provide the best coverage that you can afford, tailored to your specific needs. Your premiums will depend upon the company you go through, your driving record, and age among other things. Discounts may be available for example if you cover more than one vehicle, have a new or economy car, are over the age of 50, or cover your home with the same company as your auto insurance. The following is a general explanation of auto coverages. They may vary from company to company and state to state:
Bodily Injury Liability protection covers you or a covered driver for injuries or the death of others if you're found to be at fault in an accident.
Property Damage Liability protection covers you or a covered driver for damages to another's property if you're found legally liable in an accident.
Medical Payments protection covers doctor and hospital expenses incurred by you, covered family members and covered passengers in your vehicle if involved in an accident.
Uninsured or Underinsured Motorist protection covers you and covered family members or passengers who are injured or killed in an accident caused by an uninsured or underinsured driver.
Collision protection covers your vehicle repairs, minus your deductible, in the event of an accident.
Comprehensive protection covers damage to your vehicle from a non-collision, such as vandalism, theft, fire, falling objects, etc. Your deductible may apply.
Rental Car Reimbursement protection covers the cost of renting a vehicle if your vehicle is damaged or stolen, providing you have this coverage on your policy.
Towing protection covers towing charges due to disablement of your vehicle, providing you have this coverage on your policy.