What does Auto Insurance cover?
| Self-Protection | Vehicle Protection |
|---|---|
| 1.General Liability coverage: Liability coverage has two components:Bodily injury liability may help pay for costs related to another person’s injuries if you cause an accident. Property damage liability may help pay for damage you cause to another person’s property while driving. |
1. Comprehensive Coverage Comprehensive may help cover damage to your car from things like theft, fire, hail or vandalism. If your car is damaged by a covered peril, comprehensive coverage may help pay to repair or replace your vehicle (up to the vehicle’s actual cash value). This coverage has a deductible, which is the amount you’ll pay out of pocket before your insurer reimburses you for a covered claim.Comprehensive is typically an optional coverage, but your lender may require it if you’re leasing or paying off your vehicle. |
| 2.Medical Payments/Personal Injury protection: If you, your passengers or family members who are driving the insured vehicle are injured in an accident, medical payments coverage may help pay for costs associated with the injuries. Covered costs may include hospital visits, surgery, X-rays and more. Medical payments coverage is required in some states and optional in others. Personal injury protection, or PIP, is only available in some states. Like medical payments coverage, PIP may help pay for your medical expenses after an accident. In addition, PIP may also help cover other expenses incurred because of your injuries — for example, child care expenses or lost income |
2. Collision Coverage If you’re involved in an accident with another vehicle, or if you hit an object such as a fence, collision coverage may help pay to repair or replace your car (up to its actual cash value and minus your deductible). Collision coverage is typically optional. It may be required, however, by your vehicle’s leaseholder or lender. |
| 3. Uninsured and Underinsured Motorist Coverage If you’re hit by a driver who doesn’t have insurance, uninsured motorist coverage may help pay for your medical bills or, in some states, repairs to your vehicle. If you’re hit by an underinsured driver, that means they have car insurance but their liability limits aren’t enough to cover your resulting medical bills. That’s where underinsured motorist coverage may help. |
4.Rental Reimbursement Coverage, Towing and Labor |
What does home insurance cover?
| Dwelling Coverage | Other Structures coverage | Personal Property Coverage | Liability Coverage |
|---|---|---|---|
If your home is damaged, dwelling coverage may help pay to repair or rebuild the home. Some of the risks that are typically covered include
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Other structures coverage may help you to repair or replace certain components that are not attached to your home after a covered loss. This coverage may extend to items such as:
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Personal Property coverage may help reimburse you for the value of your belongings or pay to replace your belongings after a covered loss.
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No matter how careful you are, accidents can happen, Liability coverage may help [pay for costs resulting from an injury to someone else or damage to their [property if you are found liable. For instance, liability protection may help cover:
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Discounts you can avail:
- Keep more of your hard-earned dollars: Save your insurance premium by availing these discounts
- Safe driving mobile app
- Bundle policies-save as much as 15%
Mobile app and bundling the policies are the best ways to save on insurance premium