• Twitter
• Contact
• Print

Auto Insurance

Types of Auto Insurance Coverage

• Auto Liability Coverage
  Auto liability insurance coverage pays for the damage if you are legally responsible for accidentally injuring someone, or for damaging another vehicle or other property in an auto accident.

  
  Auto liability coverage falls into two categories:

  1. Bodily Injury Liability - which covers medical expenses, pain and suffering, lost wages, and other special damages.
  2. Property Damage Liability -- which covers damaged property, and may include loss of use.

  Liability car insurance also pays legal defense and court costs.

  State laws usually dictate the minimum amounts of auto liability insurance required, but higher amounts are available.

• Personal Injury Protection (PIP)
  This auto insurance coverage pays the reasonable and necessary medical expenses for covered persons for treatment due to an auto accident.

  
  It may also pay for:

  • Rehabilitation
  • Lost earnings
  • Replacement of services (For example, child care if a parent is disabled.)
  • Funeral expenses
• Medical Payments
  This auto insurance coverage is available in most states. It pays reasonable and necessary medical and funeral expenses for covered persons when those expenses are related to an auto accident.
• Collision Coverage
  This auto insurance coverage helps pay for damage to a covered vehicle caused by:

  • Collision with another vehicle
  • Collision with an object
  • A vehicle rollover

  A deductible is required.
• Comprehensive Coverage
  This auto insurance coverage helps pay for loss of or damage to an insured vehicle, not caused by a collision or vehicle rollover.

  
  Examples of this type of damage or loss include:

  • Fire
  • Wind
  • Hail
  • Flood
  • Vandalism
  • Theft
  • Hitting an animal

  A deductible may apply.
• Uninsured Motorist Coverage
  This auto insurance coverage pays for damages when a covered person is injured in an auto accident caused by a driver who does not have Liability Insurance.

  
  In some states this auto insurance coverage may also pay for property damage.

  This type of car insurance coverage varies by state and depends upon policy provisions.

• Underinsured Motorist Coverage
  This auto insurance coverage pays for damages when a covered person is injured in an auto accident caused by another driver who has insufficient Liability Insurance.

  
  Application of this type of auto insurance varies by state and depends upon policy provisions.

• Rental Reimbursement
  This coverage pays for renting a car when your auto is disabled due to an auto accident.

  
  Daily allowances or limits vary by state or auto insurance policy provisions.

• Emergency Road Service
  This auto insurance coverage pays for having your auto towed due to a breakdown.

  
  Towing limits vary by state or policy provisions.

  This information is only a general description of the available types of auto insurance. All auto insurance coverages are subject to all policy provisions and applicable endorsements.

Deductibles and how they work.

In the event of a loss, your deductible is the amount you are required to pay before your insurance company pays the rest (up to your coverage limits). The deductible is chosen by the insured and is usually applied to coverage's such as comprehensive and collision.

If you file a claim against your insurance, you will pay only the amount of the deductible.

When choosing a deductible, you must decide how much you would be willing and able to pay out-of-pocket, if you ever had to file a claim. Typically, higher deductibles mean lower auto insurance policy premiums.

Who is covered under my auto insurance policy?

An auto insurance policy typically covers:

• You and your spouse
• Relatives who live in your home
• Other licensed drivers who have permission to drive your insured vehicle.

Armed Forces Insurance can give you quotes from multiple companies and help you choose the one that best fits your coverage needs and budget. Contact AFI today for a free no-obligation quote.

If you need a policy for a vehicle other than a personal auto, AFI also has coverage for motorcycle insurance, ATV insurance, classic car insurance, motorhome insurance, and travel trailer insurance.