Personal Lines Auto Insurance includes private passenger automobiles. Private passenger automobiles are those four-wheeled vehicles that are not used for business. Common examples are cars, pickup-trucks, and SUVs. (For motorcycles, please click HERE)
Auto insurance can be confusing. Here are a few descriptions of some coverages, so you can make a better decision about your policy.
In case of an accident that is your fault, Liability coverage will pay what you owe to someone else. It is usually split into two parts; Bodily Injury (BI) and Property Damage (PD). BI is again split with a limit for each person injured and a total for each accident. Liability coverage is required by Indiana law.
Medical Payments covers the medical expenses of you and your passengers in case of an accident, whether it is your fault or someone else's.
If you are in an accident that is the fault of the other driver, and if the other driver is not insured, your Uninsured Motorists coverage will pay you what you should have been able to collect from the other driver.
If you are in an accident that is the fault of the other driver, and if the other driver is insured for less than you are, your Underinsured Motorists coverage will pay you the difference between what the other person's insurance pays and what you are owed.
Collision coverage pays for damage to your vehicle in the case of a collision. This coverage has a deductible.
Comprehensive (Comp) - Also called "Other than Collision"
Comprehensive coverage covers damage to your car that is not your fault. A few examples are windshields, wind or hail, or damage due to animals. This coverage has a deductible.
Towing coverage covers the charge for when your car breaks down; if your car needs towed after an accident, the coverage for any towing charge would be under comprehensive or collision coverage.
If your car is in the shop after an accident, the cost to rent a car will be covered under Rental Reimbursement.