Auto Insurance Coverages 101

 There are two types of compensation associated with liability coverage insurance: Bodily Injury and Property Damage.

• Bodily Injury covers losses resulting from injuries you cause to others.
• Property Damage covers repair costs or the value of others' property you have damaged.

Who is covered?

• You and relatives living at your residence are covered when driving your car or another person’s car with the owner's permission.
• Someone else driving your car with your permission.

What is covered?

The injured party (third-party benefit) can receive payments for damages related to:

• Death
• Injury
• Medical care
• Loss of services
• Property damage 

You are also covered for certain defense costs, bail bond costs and emergency first aid to others.

 This coverage protects you if you have a loss caused by a hit-and-run driver or an at-fault driver who has no liability coverage.

Who is covered?

• You and any covered passengers in your car.
• You and any relatives living at your residence, if occupying another person’s car.

Covers losses related to:

• Death
• Injury
• Medical care
• Property damage 

 Collision coverage covers damage to your vehicle if it collides with another object.