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What is covered by a basic auto policy?

1. Bodily Injury Liability

This kind of liability applies to injuries, you, the designated driver or the policyholder, may have caused to someone else. You and any family members listed on the policy are also covered when driving someone else's vehicle with their permission.

2. Medical Payments or Personal Injury Protection (PIP)

This coverage reimburses you for the treatment of injuries to the driver and passengers of the policy holder's vehicle. PIP also covers lost wages and the cost of replacing services normally performed by someone injured in an auto accident also it covers medical payments and in some cases it covers funeral costs.

3. Property Damage Liability

This coverage pays for any damages you may have caused to someone else's property. In most cases this means damages to other person's vehicle, but it also covers any damages to telephone poles, fences, lamp poles, buildings and any other structures your vehicle may hit.

4. Collision

This coverage pays for any damages to your vehicle from a collision with another vehicle, object or flipping over, also it covers damages from potholes. Even if it is your fault for the accident caused, your collision coverage will pay you for the costs of repairing your vehicle, minus the deductible.

5. Comprehensive

This coverage pays you ruff any losses due to theft or damages caused by something other then a collision with another vehicle or object, such as: windstorms, fire, falling objects, hail, flood, earthquake, riot, vandalism, missiles, explosions, and any contact with wild animals such as deer or birds. Also comprehensive coverage pays for cracked or shattered windshields.

6. Uninsured and Underinsured Motorist Coverage

This coverage will pay you if you are hit by an uninsured or a hit-and-run driver. The underinsured motorist coverage is used when an at-fault driver has insufficient insurance to pay for all your total losses, also this coverage will protect you if hit as a pedestrian.

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