There are several lines of coverage available on an auto insurance policy. Parts of the policy protect others out on the road for damage or injuries that you may cause with your vehicle, while other parts of the policy protect you and your vehicles.
The main sections of the auto insurance policy include:
- “Bodily Injury Liability”, for injuries that your vehicle may cause to others
- “Property Damage Liability”, for damage to others’ property that your vehicle may cause
- “Collision” physical damage coverage, for collision damage to your own vehicle
- “Other than Collision” or “Comprehensive” coverage for physical damage or loss to your own vehicle caused by events other than a collision. Such events could include: fire, flood, earthquake, theft, or tree branches or other items falling atop your vehicle.
- “Uninsured Motorists Bodily Injury” coverage to compensate you and your passengers for injuries to you caused by those who do not have insurance or do not have enough insurance
- Uninsured Motorists Property Damage
Additional sections of the auto insurance policy could include:
- “Rental Car Benefit” to help pay for another vehicle for you to use if your covered vehicle is involved in a collision and needs to spend days or weeks in a body shop
- “Roadside Assistance” to help pay for towing services and roadside service to your covered vehicle
- “Gap Coverage”, to help cover the amount you may own on your vehicle if your vehicle is a total loss.
- “Mechanical Breakdown Insurance”, to help pay for mechanical repairs needed for your vehicle while it is within the mileage or time limit of the mechanical breakdown contract.
- “Full Glass Coverage”, some policies have this option available
- “OEM Parts Coverage”, some policies have this option available to help ensure original equipment manufacturer parts are used for your vehicle repair
- “New Car Replacement Coverage”, some policies have this option available
Coverage for Non-Factory Equipment that has been added to your vehicle
To best understand how these coverage lines perform in an insurance policy, call our office and we can explain with examples how they work. You can then use that knowledge to set up a policy that will meet your expectations. When we speak, we will do our best to understand your needs. As we seek to understand your needs, we will evaluate what discounts you can have added to your policy including:
- Good Driver Discounts
- Multi-policy Discounts
- Multi-car Discounts
- Good Student Discounts
- Alarm Discounts
- Professional Discounts
- Group Discounts
- Mature Driver Training Discount
Don Gath Insurance Agency offers a broad list of coverage options to protect you and your passengers, your vehicles, and others out on the road.