Car Insurance Coverage explained

How many times has an Insurance Agent rattled off a list of auto coverages to you without really explaining what each coverage means?

Here is a quick list for you:

BODILY INJURY - protects the other person and their occupants if you are at-fault in an accident and there are injuries

PROPERTY DAMAGE - protects the other vehicle (or any property) that you damage with your car

MEDICAL - covers injuries in your own vehicle. If someone hits you their policy is supposed to cover your injuries. However, if they are uninsured or you are at-fault in the accident, medical coverage can come into play

UNINSURED MOTORIST - protects you and your occupants for injuries occurring when an uninsured driver hits you

UNDERINSURANCE MOTORIST - protects you and your occupants for injuries occurring from another driver whose policy limits are not high enough to completely cover the injuries in your vehicle

GLASS Coverage - will fix or replace glass on your car while waiving any deductible. This is not usually limited to the windshield, on most policies. Glass coverage usually means ANY glass on the car.

CAR RENTAL - will pay for a rental vehicle if your car is damage and goes into a repair facility

TOWING - will pay for towing costs if your car is disabled and needs towed. This does not have to be a claim situation. Any disablement usually qualifies under the towing benefit

A couple of quick tips: Bodily Injury coverage is VERY important (in my opinion). That is not the coverage to go light on. Consider carrying a $1000 deductible on collision to lower premiums. Ask about Uninsured Motorist coverage. I've heard tell that 1 in 5 driver's (or more) are uninsured at any given time in the Valley of the Sun.

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