| Understanding Auto Insurance Coverage When sitting down with a client to discuss auto insurance, there are always questions. Please consider this handy reference guide. Bodily Injury and Property Damage pays for injury to other people or property when you're at fault. Our state requires liability coverage, but still there are those who are uninsured and accidents may cost more than the minimum, so you may need more coverage. Uninsured Motorist pays for injury to you and your passengers if you're hit by an uninsured or hit-and-run driver. Medical coverage pays for reasonable medical and funeral expenses for you and your passengers, regardless of who's at fault. Collision pays for accidental damage to your vehicle due to collision with an object or vehicle or as a result of flipping over. Comprehensive coverage pays for damage from other causes, such as fire, vandalism, windstorm, falling objects, water or flood. Besides the basics, our agency can offer you a variety of options to suit your situation, including loss of use coverage, towing and emergency roadside assistance, and our special glass buyback coverage which covers your windshield for dings without a charge to you and for replacement a small charge. Price is an important concern with auto insurance, but having the right coverage, advice and additional discounts on your other policies are also a consideration. When shopping for auto insurance, check with a local agent who offers you more than the minimum coverage and can give you advice on additional discounts. Mickey Berry, Farmers Insurance mberry@farmersagent.com 205-981-1010 Posted 06/10/2004 |