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Automobile Insurance Policies

Automobile policies consist of several components. First, you and anyone else listed under your policy are covered for any bodily injury that occurs to you, as the driver, or to someone else. The policy applies to you using any vehicle you own and when you drive someone else’s car with their permission.

Your policy limits consist of two bodily injury amounts. One is the maximum amount that is paid to each person for their bodily injuries. The other is the total amount that is paid for bodily injuries sustained during the entire accident. This bodily injury coverage protects you from other people’s injuries, medical expenses, funeral expenses, and lost wages—not your own injuries.

Second, your automobile insurance covers property damage if you are at fault and your vehicle damaged someone else’s property. “Property” includes damage to other vehicles, homes, storefronts, or structures. Similar to your bodily injury coverage, property damage coverage does not include damage to your own property.

Your automobile policy may also include: (a) collision coverage to reimburse you for any damage to your vehicle caused by collisions with another vehicle or object; and (b) comprehensive coverage to reimburse you for any loss or damage to your vehicle that was not caused by a collision. Some examples include damage to your vehicle from a fire, natural disaster, or theft. Both types of coverage require you to pay a deductible before the insurer pays you for the claim.

February 11, 2013