Auto coverage’s explained
Auto coverage’s explained
UNINSURED MOTORIST COVERAGE. This covers your personal injuries in the event an uninsured motorist hits you. It also covers hit-and-run crashes. This portion takes care of YOU. Make sure you have enough coverage to protect you in the event of a life-altering accident.
UNDERINSURED MOTORIST COVERAGE. This covers your personal injuries caused by another party, when the amount of damages exceeds the other party’s liability limits. This coverage will pick up after the other party’s liability limit is exhausted. This portion takes care of YOU. Make sure you have enough coverage to protect you in the event of a life-altering accident.
COLLISION COVERAGE. This portion of the policy pays for the damage to your car caused by a crash, regardless of responsibility. If another party is responsible for the damage to your car, your insurance carrier will pursue the other party on your behalf and collect payment for the repairs from the other party’s insurance carrier or the party directly. The maximum amount of collision protection is usually limited by the depreciated value of your car (which is not the same as the replacement cost). Collision insurance is usually required by a lending institution if the vehicle is financed or leased. A deductible applies.
COMPREHENSIVE COVERAGE. This portion of the policy pays for damage to the vehicle caused by non-crash events such as fire, theft, falling objects, hail, vandalism, acts of God, striking an animal, storms, etc. A deductible applies.
MEDICAL COVERAGE. This coverage pays the initial medical bills for you, members of your family and passengers in your car. If the cost of medical treatment exceeds the medical coverage limit, non-family passengers in your car can obtain compensation from your liability coverage, but you or your family member would not be covered by your own liability coverage. You or family members could look to other medical insurance for additional coverage. It also covers you and those in your household if you are a passenger in a car involved in a crash, or if you are a pedestrian struck by a car.
As always, we recommend you speak with your personal agent, who knows you and has your best interests as a priority.
Serving Anthem,Glendale, Phoenix, Peoria, Surprise and all of Arizona