Liability Coverage Offers Serious Protection for Serious Peace of Mind

If you're at fault in an accident, you could be held legally responsible for all medical and repair costs for everyone involved. Liability Coverage can shield you from these potentially devastating expenses.

Protection for People, Property, and the Unexpected

Bodily Injury Liability Coverage

 If people are injured in an accident that's your fault, Bodily Injury Liability coverage helps protect you from bills that can include:

    • Emergency aid at the scene
    • Medical expenses for bodily injury
    • Medical services for sickness or disease
    • Compensation for loss of income
    • Funeral expenses
    • Legal defense fees and/or bail bonds for anyone listed on your policy
    • Other expenses not listed here

If you're interested in carrying this coverage, but aren't quite sure how much coverage is right for you, you might want to consider purchasing the highest limit you can comfortably afford.

Property Damage Liability Coverage

If another driver's property is damaged in an accident that's your fault, Property Damage can help pay for their:

     • Structural damage to homes, storefronts, etc.
     • Repair or replacement costs for other stationary objects such as fence, signs,  
        light posts.
     • Vehicle repair or replacement costs

It can also help keep your assets safe in the event of a lawsuit resulting from a covered accident.

If you're interested in carrying Property Damage Liability protection, you might want to consider purchasing the highest limit you can comfortably afford.

Medical Payments

Considering your claim is a covered loss (that's insurance-speak for an accident or incident that falls within the bounds of your policy), Medical Payments coverage helps pay for medical treatment for accident-related injuries, no matter who's at fault. These costs may include doctor visits, hospital visits and/or stays, surgery, x-rays, EMT and ambulance fees, and other similar expenses. This option covers you, your passengers, and any family members who may be driving the insured car during the accident.
And while nobody likes to think about it, this option also helps cover funeral expenses.

Uninsured and Underinsured Motorist

This coverage option helps pay for medical expenses, and damage to your car, caused by a driver who has little to no insurance.

This Coverage Is Divided Into Two Parts:

     • Bodily Injury Coverage — may pay medical expenses for you, your passengers,
       or any family members who might be driving the car when bodily injuries are caused
       by an uninsured or underinsured driver.
     • Property Damage Coverage — pays for damages to your car caused by an
        uninsured or underinsured driver.

Collision Coverage

Collision coverage helps protect your car if you're in an accident that involves other cars, or objects. For instance, if your car collides with:

      • Other vehicles, or
      • Stationary objects (such as a tree or a streetlight)

Collision helps pay for repairs or replacement up to the Actual Cash Value (ACV) of your car. (Though remember, the ACV isn't the amount you paid for your car. ACV is likely a lower value, as it takes into account things like age, use, and wear and tear).

Comprehensive Coverage

Comprehensive coverage protects your car in situations that don't necessarily involve other drivers or vehicles. For instance, if your car's damaged by:

     • Storm (or other natural disaster) such as hail or flood.
     • Vandalism
     • Passive object (such as a tree or a post in a parking garage) which fell and was not
        caused by collision or if you sustain
     • Broken window or windshield
     • Damage due to a collision with an animal on the road

Additional Coverage Options can boost convenience and peace of mind, whether it's with our Towing and Labor-Cost Coverage*, Rental Car Reimbursement* Coverage, Sound System Coverage*, or Tape/CD Coverage*. The choice is yours.