Auto Insurance

AUTO INSURANCE COVERAGE
	BODILY INJURY LIABILITY --- Coverage: Pays claim against owner if someone is killed or injured and owner is at fault. --- Claim Includes: Hospital and doctor bills. Legal fees. Court costs. Loss of wages. --- Notes: Required in many states. Needed by all car owners. Minimum coverage required is generally too low.
	PROPERTY DAMAGE LIABILITY --- Coverage: Pays claim against owner if property of others is damaged and owner is at fault. --- Claim Includes: Other car and possessions in the car. Damage to home, telephone pole, or traffic light. --- Notes: Required in many states. Needed by all car owners.
	UNINSURED MOTORIST --- Coverage: Pays for injuries to you and your passengers resulting from the negligence of an uninsured motorist or a hit-and-run driver. --- Claim Includes: Hospital and doctor bills. Legal fees. Court costs. Loss of wages.(Does not cover property damage in most states.) --- Notes: Required in many states. Needed by all car owners.
	COLLISION (usually requires comprehensive coverage along with collision.) --- Coverage: Pays cost of repairing or replacing owner's car when damaged due to an accident. --- Claim Includes: Repair or replacement of any car driven by owner or with owner's permission. --- Notes: Important for new or expensive cars. Drop after 7 to 10 years of ownership or when value of car no longer justifies coverage.
	COMPREHENSIVE --- Coverage: Pays cost of repairing or replacing owner's car. --- Claim Includes: Fire. Earthquake. Theft. Storm. Flood. Riots. Wind. Vandalism. --- Notes: Important for new or expensive cars. Drop after 7 to 10 years of ownership
	MEDICAL- PAYMENTS --- Coverage: Pays medical costs for you and your passengers injured in the collision. --- Claim Includes: Pays all immediate medical costs (generally in addition to other medical.) --- Notes: The insurance does not require a legal process to determine fault, while bodily-injury usually does.
	TOWING --- Coverage: Pays cost of towing or minor repair to disabled car. --- Claim Includes: Dead battery. Out of gas. Flat tire. Accident (regardless of fault.) --- Notes: Good to have. Not needed if owner belongs to an automobile club with towing service.