Auto Coverage Made Simple

The insurer agrees to pay damages if you injure someone in an auto accident. Most liability limits are listed as $25,000/$50,000, $50,000/$100,000, 1000,000/$300,000, $250,000, $500,000.  The first amount is bodily injury limit that could be paid for each individual that is injured. The second amount is the total amount that the insurer will pay for all bodily injury per accident

If you’re in an automobile accident, regardless of who is at fault, collision insurance provides protection to replace or repair your vehicle, subject to a deductible

 This feature provides a limited amount of coverage for you and your passengers’ medical expenses as a result of an accident. The coverage pays regardless of who is at fault. 

Found at the end of the Liability listing: $100,000/$300,000/$100,000. This is the amount of property damage that the insurer will pay for all damages related to the accident (Other people's property).

 In the event of hail damage or a tree limb falling on your car (risks not involving an automobile collision), this coverage insures you. Comprehensive coverage pays to repair your vehicle, subject to a separate deductible. 

  If you’re in an accident with another driver who doesn’t carry any or enough liability coverage, uninsured or underinsured motorists liability coverage allows you to collect damages that you personally experience from the accident. 

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