Auto Insurance Definitions 2 MPGEnhance

Auto Insurance Coverage Definitions (cont'd)

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1.   Underinsured motorist bodily injury – This auto insurance coverage is a little different than uninsured motorist bodily injury protection. Underinsured bodily injury protection activates when you or the insured members of your family or passengers are injured in a car accident and the other motorist’s auto insurance does not cover all the damages. Your auto insurance will kick in here and pay for the difference up to the limit established by your auto insurance policy.



2.  Uninsured property damage – Uninsured property damage coverage will pay for your damaged property in the event that the other motorist who caused the damage does not have auto insurance.

3.  Underinsured property damage – Underinsured property damage coverage will pay for your damaged property if the other motorist who caused the accident has insufficient auto insurance to cover the entire amount of the damage. Your underinsured property damage coverage will activate and pay for the difference in coverage.

4.  Personal injury protection coverage – This insurance type will cover your medical bills as well as those of your passengers in the event of an auto injury where your medical insurance does not cover all of your expenses

5.  Rental Car Coverage – Adding rental car coverage to your auto insurance policy will allow you to get alternative transportation when your car is in an accident and at the repair shop. Rental car coverage will replace your vehicle whenever your car is un-drivable due to an automobile accident.

6.  Road Side Assistance – Some auto insurance companies offer a road side assistance option on their auto insurance packages. The road side assistance option will entitle the motorist to vehicle tows, help with small road side repairs such as flat tires, and help when you lock your keys in the car.


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