Some of the coverages provided under comprehensive include theft, glass breakage, fire, windstorm, hail, water, falling objects, vandalism, explosion, or hitting a bird or animal. You may consider higher deductibles to lower your premiums.
Collision covers damage to your car when your car hits, or is hit by, another vehicle, or other object. It pays to fix your vehicle less the deductible you choose. To keep your premiums low, select as large a deductible as you feel comfortable paying out of pocket.
When you have this coverage the insurer will pay reasonable expenses incurred for towing your car to the nearest place where necessary repairs can be made during regular business hours, towing your car out if it is stuck on or next to a public street or highway,etc.
Rental Reimbursement coverage provides a specified amount for you to rent a vehicle while your covered auto is being repaired or replaced after a loss covered under Comprehensive or Collision.
Medical Payments coverage provides coverage for necessary and reasonable medical and funeral expenses incurred as the result of an automobile accident.
Uninsured/underinsured Motorist coverage pays for bodily injury to you or your passengers involving a driver who has little or no liability coverage.
This pays for bodily injury or property damage for which you become legally responsible due to an auto accident. For example, you were in an accident that was your fault and there was more than say $300,000 in damages, what is the amount you would want your policy to pay?
PIP may cover the medical, hospital and funeral expenses of the named insured, others in his vehicles and pedestrians struck by him.
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