What does my auto policy cover?

car insurance coverage
  • Your auto policy coverage can be broken down into 3 parts:
    • For Others - Bodily Injury & Property Damage
      • You will often see this listed something like 100/300/100. What this means is that if you are at fault in an accident, your insurance company will pay up to $100,000 in liability coverage per person with a cap of up to $300,000 per accident (for injuries), and $100,000 in property damage (to repair or replace the not-at-fault party’s vehicle).
    • For Yourself - Uninsured/Underinsured
      • This is liability coverage for you. If you are hit by another driver who has lower insurance coverage than you do (underinsured) or no insurance coverage (uninsured) your policy can kick in to protect you.
      • For You and Your Passengers - Medical Payments
        • Covers you and the passengers in your vehicle regardless of who is at fault in an accident.
    • For Your vehicle - Comprehensive & Collision
      • A comprehensive loss is typically a theft or damage loss other than collision (i.e. hitting a deer). A collision loss occurs when your vehicle collides with another vehicle or object or is overturned. Your policy will show the deductible you would pay in the event of a comprehensive or collision accident. The insurance carrier pays the remainder of the repairs after the deductible has been paid. 

Do you have a question about a specific coverage? We’re happy to help! Give us a call at 208-322-1030.

Photo courtesy of Kevin Oetiker on Unsplash