Types of Coverage |
Pays For |
Covers |
Required |
Liability Bodily Injury Property Damage |
Your responsibility to pay 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 injusry
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 |
Unisured Motorist Property Damage |
Cost or repairs to your vehicle not coverage 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 to you 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 |
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 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 |