Deductibles
The deductible is the portion of a covered loss that is your responsibility. The deductible, when applicable, applies to each covered loss. Although deductibles vary  by state, they are typically available in amounts such  as $100, $250, $500, or $1000.

For example, if you had a $500 deductible, you would need to pay $500 of the covered loss.

Generally speaking, higher deductibles lower your premium, but increase the amount you must pay out of your own  pocket if a loss occurs. Ask yourself how much you are  willing to pay in order to save on premium.

Coverages
Coverages are broken down, according to purpose, but are generally combined into one policy. Coverage descriptions  are general information and not statements of contract  because policy provisions, endorsements, limits and  requirements vary by state. The most common coverages  are:

• Liability
  When an insured is legally responsible, liability  coverage pays for accidental bodily injury and property  damages to others. Bodily injury damages include medical  expenses, pain and suffering, lost wages, and other  special damages. Property damage includes damaged property and may include loss of use. Liability coverage also pays defense and court costs. State laws usually  determine the minimum amounts, but higher amounts  are available.
  
  
• Personal Injury Protection
  Required in some states. Pays medical expenses for covered persons, regardless of fault, for treatment due to an auto accident. It may also pay for rehabilitation, lost earnings, replacement of services (child care  if a parent is disabled, for example) and funeral  expenses.
  
  
• Medical Payments
  Available in most states. Pays medical and funeral expenses for covered persons, regardless of fault, when those expenses are related to an auto accident.
  
  
• Collision
  Pays for damage to a covered vehicle caused by collision with another object or by upset of the car. A deductible is required.
  
  
• Comprehensive
  Pays for loss of or damage to a covered vehicle, except  loss caused by collision or upset. Examples include  loss caused by fire, wind, hail, flood, vandalism,  theft or impact with an animal. A deductible may apply.
  
  
• Uninsured Motorist
  Pays damages when a covered person is injured in an  auto accident caused by a driver who does not have  liability insurance. In some states this coverage may also pay for property damage.
  
  
• Underinsured Motorist
  Pays damages when a covered person is injured in an  auto accident caused by another driver who has insufficient  liability insurance. Application of this coverage varies by state and depends upon policy provisions.
  
  
• Rental Reimbursement
  Pays expenses incurred for renting a car when your auto is disabled due to an auto accident. Daily allowances or limits vary by state or policy provisions.
  
  
• Emergency Road Service
  Pays expenses incurred for having your auto towed  as a result of a breakdown. Towing limits vary by state or policy provisions.

 This information is only a general description of the available coverages and is not a statement of contract. All coverages are subject to all policy provisions and applicable endorsements. For further information contact us.

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