Liability auto insurance pays up to the specified limits and limitations of bodily injury and property damages incurred by third parties if the insured is found liable as a result of an automobile accident. Without coverage, the liable party would be responsible for paying the third parties' damages and may be forced to pay from the equity of a house or vehicle. Having this type of protection helps in the event of unforeseen accidents and the associated costs. It is required by law to have liability insurance if you own an automobile.
Medical payments auto insurance portion of a policy is designed to pay some of the medical consequences that may result from an accident such as medical bills and/or funeral expenses up to the policy limit.
Uninsured motorist auto insurance not only insures against the "Uninsured motorist" but also protects policy owners against the "Under-insured motorist". Uninsured motorist coverage is optional; However, it is recommended that it be added to a policy in the best interest of the insured.
Comprehensive and collision auto insurance, also referred to as "Physical Damage", covers damage caused by anything "other than auto collisions." Some of the more common examples are theft, fire, vandalism, collision with animal, wind storm, flying objects, hail and broken windows.
Rental car coverage pays for the rental of a vehicle in the event the policy owner's vehicle is stolen or in an accident while the claim is settled.
Roadside assistance plans can vary depending on the company providing it. Typical coverage consists of 24 hour emergency towing service, 24 hour lost key and lockout service, 24 hour mechanical first aide, 24 hour emergency road service, 24 hour battery service, 24 hour tire service, theft and hit & run protection.