Personal Auto Coverage Made Simple

When it comes to your personal auto coverage, it’s important to make sure you fully understand what you’re buying.

 

Auto insurance can sound confusing, but it’s actually pretty simple once you break it down.

 

First, let’s start with Liability coverage.

Liability is the part of your auto policy that protects you if you cause an accident — and it breaks down into two key sections: Bodily Injury and Property Damage

This coverage pays for the other person’s injuries and damages when you are at fault.

  • Bodily Injury (BI): Covers the other person’s medical bills, lost wages, pain and suffering, and potential lawsuits.

  • Property Damage (PD): Covers damage to the other person’s property — such as their vehicle, fence, building, or other structures.

 

Uninsured / Underinsured Motorist - Bodily Injury (UM/UIM/UMBI) coverage protects you and your passengers if you’re hit by a driver who either has no insurance at all or has insurance, but not enough to fully cover your bodily injury 

 

Medical Payment pays medical bills for you and your passengers after an accident.
Even if you caused it.

 

When it comes to Full Coverage, the foundation is simple: Collision + Comprehensive. These are the coverages that protect your car from accidents and unexpected events.

  • Collision coverage helps pay to repair or replace your vehicle if it’s damaged in an accident — regardless of who is at fault.
  • Comprehensive coverage helps pay to repair or replace your vehicle for non-collision losses — like theft, vandalism, fire, hail, flood, or other natural disasters.

  • A deductible is the amount you pay out of pocket first before your Collision or Comprehensive coverage pays the rest.

     

Rental Reimbursement - If your vehicle is in the shop due to a covered claim, Rental Reimbursement helps pay for a rental car so you can stay on the road while your vehicle is being repaired.

Roadside Assistance - Provides help when you’re stranded — such as towing, lockouts, jump starts, flat tires, and emergency fuel delivery.

Uninsured Motorist Property Damage (UMPD) helps pay to repair or replace your vehicle if you’re hit by a driver who has no insurance. If you have Full Coverage, you usually don’t need UMPD.

 

Questions about your coverage? Contact our office — we’re always here to help.

America's Popular Insurance, Inc
(747)253-4432 | info@americaspopularinsurance.com

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