5.2 FA HW Automobile Insurance

What is liability insurance?

• Insurance that covers damage to other people's property or the person themselves

• Insurance that covers damage to your own vehicle

• Insurance that covers medical expenses for injuries sustained in an accident

• Insurance that covers damage caused by uninsured drivers

What does bodily injury liability insurance cover?

• Damage to your own vehicle

• Damage to other people's property

• Damage caused by uninsured drivers

• Medical expenses for injuries sustained in an accident

What does property damage liability insurance cover?

• Medical expenses for injuries sustained in an accident

• Damage caused by uninsured drivers

• Damage to other people's property

• Damage to your own vehicle

What does uninsured/underinsured motorist protection insurance cover?

• Damage caused by uninsured drivers

• Medical expenses for injuries sustained in an accident

• Damage to other people's property

• Damage to your own vehicle

What does personal injury protection insurance cover?

• Damage to your own vehicle

• Damage caused by uninsured drivers

• Damage to other people's property

• Medical expenses for injuries sustained by anyone in your vehicle in an accident

What does comprehensive insurance cover?

• Damage to your own vehicle from vandalism, fire, flood, wind, if car is stolen and other non-collision items.

• Damage caused by uninsured drivers

• Damage to other people's property

• Medical expenses for injuries sustained in an accident

What does collision insurance cover?

• Damage caused by uninsured drivers

• Damage to other people's property

• Medical expenses for injuries sustained in an accident

• Damage to your own vehicle from a collision from another vehicle

What does car-rental insurance cover?

• Damage to other people's property that results from a collision or from a comprehensive type of claim.

• Damage caused by uninsured drivers

• Pays you for part of the cost of needing a rental car when your car is damaged as a result of a collision or comprehensive claim.

• Medical expenses for injuries sustained in an accident

What does emergency road service insurance cover?

• Towing or road service when your car is disabled

• Damage to your own vehicle

• Damage to other people's property

• Medical expenses for injuries sustained in an accident

What is an auto insurance deductible?

• The amount you pay out of pocket on a claim before insurance covers the rest

• The amount you pay for personal injury protection

• The amount you pay for property damage

• The amount you pay for insurance premium