| Types
of Coverage |
Pays
For |
Covers |
Required |
| Liability
Bodily Injury Property Damage |
Your
responsibility to pay for medical, death and hospital expenses
including cost of repairs to other party's vehicle or property. |
The
insured's legal liability for bodily injury and property damage
arising from ownership or use of the insured vehicle |
Yes |
| Uninsured/Underinsured
Motorist Bodily Injury |
Cost
of repairs to your vehicle not covered by collision insurance,
subject to a limit of $3,500. UMPD coverage pays for the property
damage to your car when there is a collision with an identified
uninsured driver. |
The
other party's legal liability to you for bodily injury arising
from the negligent operation of their uninsured vehicle |
No,
but every automobile insurance company must offer uninsured
motorist coverage, and they are required to have a signed
waiver on file if the coverage is rejected. |
| Uninsured
Motorist
Property Damage |
Medical
expense incurred without question of legal liability. |
The
other party's legal liability for property damage arising
from the negligent operation of their uninsured vehicle |
No,
but every automobile insurance company must offer uninsured
motorist coverage, and they are required to have a signed
waiver on file if the coverage is rejected. |
| Medical
Payments |
Medical
expense incurred without question of legal liability |
All
the occupants of your vehicle |
No |
| Comprehensive
Physical
Damage other than Collision |
Cost
of repairs or the fair market value of the vehicle. |
The
insured vehicle subject to the deductible |
May
be required by lenders and leasing companies |
| Collision |
Cost
of repairs or the fair market value of the vehicle. |
The
insured vehicle subject to the deductible |
Yes,
by lenders and leasing companies |
| Rental
Reimbursement
Daily
limit and number of days subject to policy terms |
Cost
of a rental car while your vehicle is being repaired under
coverage afforded by the policy |
Named
Insured |
No
|
| Towing |
Reasonable
and necessary towing and labor cost subject to policy terms |
Named
Insured |
No |
