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Auto Insurance
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Auto Insurance

Armed Forces Insurance agents can help you tailor an affordable auto policy to fit your needs through one of our select partner companies.

There are many choices and options with auto insurance coverage. Because all 50 states have different laws when it comes to auto insurance policies and coverages, the following descriptions are general information.

Types of Auto Insurance Coverage

Auto Liability 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 auto 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)
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
Pays reasonable and necessary medical and funeral expenses for covered persons when those expenses are related to an auto accident.

Collision Coverage
Pays 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
Pays 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
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.

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

Rental Reimbursement
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
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 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.

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 agents 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.

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