Understanding Auto Insurance Coverages

Dairyland Insurance explains Auto Insurance Coverages

Auto Insurance Coverages

Automobile insurance coverages vary by state, so understanding the basics will help you make the right decisions about what type of coverage to purchase.

To ensure you are getting the proper coverage you need, disclose all possible drivers and all automobiles in your household. Undisclosed drivers or automobiles may jeopardize claim settlement.

Liability

Liability Coverage pays for bodily injury to another person and for property damage to another's property caused by the negligent (at-fault) operation of your automobile.

Bodily Injury is a form of coverage that protects you if you injure someone else.

Property Damage is a form of coverage that protects you if you damage someone else's property.

Uninsured Motorists (UM)

Uninsured Motorists Coverage pays for your bodily injury in the event of a hit-and-run or an accident involving an at-fault driver who is not insured. In some states, UM includes coverage for property damage.

Underinsured Motorists (UIM)

Underinsured Motorists Coverage pays for your bodily injury in the event of a hit-and-run or an accident involving an at-fault driver who does not have enough insurance to pay for your loss. In some states, UIM includes coverage for property damage, or is automatically included when UM coverage is purchased.

Personal Injury Protection (PIP)

Personal Injury Protection Coverage pays for reasonable and necessary medical expenses for injuries to the driver and any passenger in the vehicle, regardless of who is at fault in the accident. In addition, there may be coverage available for lost wages, lost services and funeral expenses.

Medical Payments

Medical Payments Coverage pays for reasonable and necessary medical expenses and funeral expenses for injuries to the driver and any passengers in the vehicle, regardless of who is at fault in the accident.

Physical Damage

Collision Coverage pays for damage to your own automobile. It provides coverage when your automobile collides with another automobile or object (regardless of fault).

Comprehensive Coverage pays for damage to your automobile from causes such as collision with animals, fire, theft, vandalism, hail and falling objects.

Comprehensive and Collision coverages are written with a deductible. A deductible is that part of a loss for which you, the insured, are responsible. Your insurance company will pay for the balance of the covered repairs.

A lender may require you to purchase Collision and Comprehensive coverages. Restrictions apply to special or customized equipment.

For complete information please read your policy.

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  Dairyland Cycle® and Dairyland Auto® property and casualty coverages are underwritten by a member of the Sentry Insurance Group, Stevens Point, WI. For a complete listing of companies, visit sentry.com.  In Texas, coverages are underwritten by Dairyland County Mutual Insurance Company of Texas, Austin, TX. In California, coverages are underwritten by Viking Insurance Company of Wisconsin, Stevens Point, WI.  Policies, coverages, benefits and discounts are not available in all states. Savings based upon all available discounts.  See your policy for complete coverage details. Dairyland Cycle® is neither endorsed by nor affiliated with Harley-Davidson, Inc. or the Harley Owners Group. EFT options vary by state and federal regulations.

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78704

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