Our insurance carriers all sell a “package” policy which is probably very similar to the policy you have or you will be buying. This policy is intended to cover the average driver for most risks.
Liability
Liability provides coverage for the injuries and property damage to others when you are at fault in an accident.
Comprehensive and Collision
Comprehensive covers the actual cash value (minus applicable deductible) of damage to your vehicle in the case of fire, theft, vandalism, glass breakage, etc. Collision covers the actual cash value (minus applicable deductible) of damage caused when your vehicle collides with another object.
Underinsured/unisured Motorist
Underinsured/uninsured motorist coverage provides for your personal injuries and vehicle damage when a motorist at fault in an accident does not have adequate insurance coverage.
Comprehensive and Collision
Comprehensive covers the actual cash value (minus applicable deductible) of damage to your vehicle in the case of fire, theft, vandalism, glass breakage, etc. Collision covers the actual cash value (minus applicable deductible) of damage caused when your vehicle collides with another object.
Towing and Rental
This coverage is also available at a small additional charge and reimburses you for towing service or rental car charges.
