Personal Auto Insurance

Automobile Liability Insurance

Covers bodily injury or property damage for which any insured becomes legally responsible because of an auto accident, including the duty to settle or defend any claim or suit.  

The liability limit can be written as a single limit that applies to both bodily injury and property damage. The policy can also be written with split limits in which the limits of insurance for bodily injury and property damage are stated separately.

Automobile Medical Payments Insurance

Medical and funeral expense coverage for bodily injuries sustained from or while occupying an insured vehicle, regardless of the insured's negligence. Coverage is commonly limited to $5,000.  Coverage in a personal auto policy follows the insured, spouse and members of the household as passengers in other vehicles and as pedestrians if they are hit by a vehicle.

Collision Coverage

It covers damage to the insured's vehicle caused by the impact with another vehicle or object, or overturn of the vehicle.  Collision losses are paid regardless of fault.

Comprehensive Coverage

It covers damage to the insured's vehicle from causes other than collision or overturn—which are insured separately under collision coverage—such as theft, vandalism or fire.

Rental Reimbursement

Coverage that can be endorsed to an automobile policy that pays for a rental vehicle if the policyholder's car is disabled by a covered loss.

Towing and Labor

Covers towing and labor costs incurred when a covered private passenger type auto is disabled. There is a special towing and labor limit. Labor costs are only covered if the labor is performed at the site of disablement.

Uninsured Motorist Coverage

It pays damages for bodily injury to its own insured for which an uninsured motorist is legally liable but unable to pay.