Coverages

Bodily Injury Liability–  Pays damages for bodily injury or death resulting from an accident for which you are at fault and provides you with a legal defense.  It has a maximum amount paid per person and per accident. The Indiana state minimums for this type of coverage is $25,000 per person and $50,000 per accident. 

Property Damage–  Pays for damage to someone else’s property resulting from an accident for which you are at fault and provides you with a legal defense. The Indiana state minimums for this type of coverage is $10,000.  

Uninsured/ Underinsured Motorist Bodily Injury–  In some circumstances, may pay for your injuries caused by an uninsured motorist or, in some states, an unidentified driver. In some cases it also includes coverage for underinsured motorists and at-fault drivers with insufficient insurance to pay your claim.  

Uninsured/Underinsured Motorist Property Damage– In some circumstances, may pay for your property damage caused by an uninsured motorist or, in some states, an unidentified driver. In some cases it also includes coverage for underinsured motorists and at-fault drivers with insufficient insurance to pay your claim.  

Comprehensive or Other Than Collision–  Pays for damage to your car from theft, vandalism, flood, fire or other covered perils.  This coverage is often subject to a deductible or out of pocket expense that is listed on your policy.  This coverage is not required by law but is often required by a lender if you have financed the vehicle.

Collision– Pays for damage to an insured vehicle when it hits or is hit by another car or object, or if the car overturns. This coverage is often subject to a deductible or out of pocket expense that is listed on your policy.  This coverage is not required by law but is often required by a lender if you have financed the vehicle.

Towing–  Pays for any towing expenses up to the limit listed on the policy for a vehicle listed with this coverage.  This is an optional coverage.

Rental Reimbursement–  Pays for a rental vehicle while your vehicle is being repaired or replaced if your vehicle is involved in a comprehensive or collision claim.  Coverage is often listed as per day and per claim coverage.  This is an optional coverage.