Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.

Auto insurance provides property, liability and medical coverage:

• Property coverage pays for damage to or theft of your car.
• Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
• Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements.

Most auto policies are for six months to a year.

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The six basic parts of an auto policy.
Your auto policy may include all 6 coverages or some of them. Each coverage is priced separately.

1. Bodily Injury Liability
   For injuries the policyholder causes to someone else.
2. Medical Payments or Personal Injury Protection (PIP)
   For treatment of injuries to the driver and passengers of the policyholder's car. At its broadest, PIP can cover medical payments, lost wages and the cost of replacing services normally performed by someone injured in an auto accident.
3. Property Damage Liability
   For damage the policyholder caused to someone else's property.
4. Collision
   For damage to the policyholder's car from a collision. The collision could be with another car, a light post, fire hydrant, etc.
5. Comprehensive
   For damage to the policyholder's car that doesn't involve a collision with another car. Covered risks include fire, theft, falling objects, missiles, explosion, earthquake, flood, riot and civil commotion.
6. Uninsured Motorist Coverage
   For treatment of policyholder's injuries as a result of collision with an uninsured driver. Underinsured motorist coverage can also be included in an auto policy. Underinsured motorist coverage comes into play when an at-fault driver has auto liability insurance, but the limit of insurance is inadequate to pay for your damages.

Is this possible? Each state requires that you have certain types of coverages with minimum liability limits. We realize that each persons needs differ and those needs should always be considered when making recommendations. The insurance industry generally recommends that your bodily injury limits be no less than $100,000 per person and $300,000 per occurrence. Our agency prides itself in listening to and working with insureds to determine what coverage and limits are most appropriate for each insureds situation.

With Permission ? Insurance Information Institute, Inc. - ALL RIGHTS RESERVED -