Bodily Injury
Coverage in the event you cause an accident and others are injured.
Property Damage
Coverage in case your car damages someone else’s property
Medical Payments
Covers certain medical expenses if you or a passenger are injured in an accident.
Collision Coverage
Coverage for damages to your car caused by impact with another vehicle or object.
Comprehensive
Coverage for Damages to your car caused by theft, fire, or vandalism.
Understanding your auto insurance policy can be confusing and time consuming. Let K. L. Owens and Associates LLC help you cut through the jargon.
Bodily Injury Liability
Bodily injury liability covers you in the event that you cause an accident in which another person (or people) is injured.
Property Damage Liability
Coverage in case your car damages someone else’s property – usually this means someone else’s car, but it could be a fence, light post, or other piece of property.
Medical Payments
Medical Payments covers certain medical expenses if you or a passenger in your car are injured in an accident.
Collision Coverage
Collision coverage is an optional coverage that covers damage to your car caused by impact with another car or object.
Comprehensive Coverage
Comprehensive coverage is also an optional coverage that covers damages to your car caused by something other than a collision – like theft, fire, etc.
The descriptions of coverages and programs are necessarily brief and are subject to policy provisions, limitations, and exclusions that can only be expressed in the policy itself. Coverages and programs vary by state and are not available in all states. For a complete explanation of coverages, please consult K. L. Owens and Associates LLC.
