terms
& coverage
|
| Liability-Third
Party Damages |
Insurance
requested by law which pays bodily injury and personal |
property
to other persons involved in an accident.
|
| $20,000------------------------------------- |
Per
person due to bodily injury or death.
|
| $40,000------------------------------------- |
Maximum
if more than one person.
|
| $15,000------------------------------------- |
Property
Damage caused by accident.
|
Bodily Injury
|
Covers
bodily injury to someone else in which you are at fault. |
|
|
Property Damage
|
Damage
to someone else's property in which you are at fault |
|
|
Uninsured Motorist
|
Covers
bodily injury to you or your family members in the event of
an accident with an uninsured vehicle of which you are not at fault. |
|
| Full Coverage |
Consists of liability [as
explained] along with Comprehensive and Collision. |
Damages to third
party along with your vehicle caused by robbery, fire, collision and vandalism.
Does not include towing or car rental, in some cases you pay the deductible.
|
| Collision------------------------------------ |
Pays for damages to your auto
after you pay the deductible. |
| Comprehensive------------------------- |
Covers your automobile from
fire, robbery, vandalism. Like Collision, |
pays for damage
after the deductible is met.
|
| Non-Owners |
Liability insurance for people
who do not own a vehicle. |
|
[Restrictions]
|
| Financial
Responsibility----------- |
Insurance required by the State
when your license has been |
suspended, may be
required for up to 3 years.
|
Optional Coverage
|
|
| Uninsured Motorist Property
Damage--- |
Covers your vehicle with liabilty
coverage when you can |
| prove the other party is
guilty and is not insured. This coverage has a deductible of $250.00 and a limit of $15,000 in
damages. |
| Rental--------------------------------------------------- |
Car rental in case of accident or theft. |
| Medical
Payments-------------------------------- |
Covers bodily injury to Insured and
family. This is not your |
primary insurance.
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