Other Available Insurance Coverage

Insurance companies  offer other coverage with every automobile policy. The Uninsured/Underinsured Motorist provides liability when the party at fault does not have the state required coverage or does not have sufficient to cover the injuries caused in the accident. Similarly, the Uninsured Motorist Property Damage covers possible reimbursement for damages your car sustains. The Medical Payments covers the medical expense incurred without question of legal liability. Collision and Comprehensive Physical Damage pay for the cost of repairs or the fair market value of the vehicle. Collision covers only the damage to your vehicle cause by collision with another vehicle or with any other object, regardless of fault. Comprehensive coverage covers the damage to your car, other than collision, such as theft, vandalism, fire, windstorm, flood, etc. The Endorsements/Riders coverage includes additional special equipment (such as premium stereos, tires, etc.) as well as towing and rental reimbursement.