Automobile Overview

Insurance in which the insurer agrees to pay all sums for which the insured is legally obligated because of bodily injury or property damage arising from the ownership, maintenance, or use of an auto.

Automobile Medical Payments:

Insurance applying to the medical, hospital, or funeral expenses of anyone injured while on or in an insured automobile. The coverage is not dependent on liability, being triggered simply by an accident. It may be included in either the Business Auto Policy or the Personal Auto Policy.

Auto Physical Damage Insurance:

Insurance on the vehicle, itself. This usually is broken down into collision and other than collision coverages.

Collision Insurance:

A type of physical damage insurance available for automobiles. Coverage is triggered when damage is caused by striking against another object.

Lines of Coverage:

• Bodily Injury Liability Coverage
• Collision Coverage
• Comprehensive Coverage
• Medical Payments Coverage
• No-Fault Coverage
• Personal Injury Protection
• Towing and Labor Coverage
• Underinsured Motorist Coverage
• Uninsured Motorist Coverage