Types Of Coverage |
Pays For |
Covers |
Required |
Liability Bodily Injury Property Damage |
Your responsibility to pay for medical, death and hospital expenses
including cost of repairs to other party's vehicle or property |
The insured's legal liability for bodily injury and property damage
arising from ownership or use of the insured vehicle |
Yes, by California Department of Motor Vehicle Code |
Uninsured/Underinsured Motorist Bodily Injury |
Provides coverage for a policyholder involved in a collision with a
driver who does not have liability insurance or who does not have
sufficient liability limits to pay for damages |
The other party's legal liability to you for bodily injury arising
from the negligent operation of their uninsured vehicle |
No, but every automobile insurance company must offer uninsured
motorist coverage, and they are required to have a signed waiver on file
if the coverage is rejected |
Uninsured Motorist Property Damage |
Cost of repairs to your vehicle not covered by collision insurance,
subject to a limit of $3,500. UMPD coverage pays for the property damage
to your car when there is a collision with an identified uninsured
driver. |
The other party's legal liability for property damage arising from
the negligent operation of their uninsured vehicle |
No, but every automobile insurance company must offer uninsured
motorist coverage, and they are required to have a signed waiver on file
if the coverage is rejected |
Medical Payments |
Medical expense incurred without question of legal liability |
All the occupants of your vehicle |
>No |
Comprehensive Physical Damage other than Collision |
Cost of repairs or the fair market value of the vehicle |
The insured vehicle subject to the deductible |
Yes, by lenders and leasing companies |
Collision |
Cost of repairs or the fair market value of the vehicle |
The insured vehicle subject to the deductible |
Yes, by lenders and leasing companies |
Rental Reimbursement Daily limit and number of days subject to policy terms |
Cost of a rental car while your vehicle is being repaired under coverage afforded by the policy |
Named Insured |
No |
Towing |
Reasonable and necessary towing and labor cost subject to policy terms |
Named Insured |
No |
