The Burns Agency
Insurance, Car, Auto
Here's a quick description of Auto Insurance coverages:
Bodily Injury Liability Insurance: Pays claims against you, including the cost of your legal defense, resulting from injuries to other persons in an automobile accident for which you are legally liable.
Property Damage Insurance: Pays for claims for your financial loss if you are found liable for physical damages to tangible property belonging to a third party.
Collision Insurance: Optional coverage that reimburses you for damage to your vehicle resulting from overturning or from colliding with another object, including another vehicle, regardless of who is at fault.
Comprehensive (Other-than-Collision) Insurance: Optional coverage that reimburses you for damage to your vehicle resulting from fire, theft, vandalism, collision with an animal, or falling objects.
No-Fault / Personal Injury Protection (PIP) Insurance: Coverage through which the financial losses you, your passengers, or a pedestrian sustain from an auto accident—such as medical and hospital costs and lost income—are paid by your insurance company regardless of who is at fault.
Supplementary Uninsured/Underinsured Motorist Insurance: Uninsured motorist coverage pays for injuries sustained by you and your passengers and damage to your property caused by an uninsured motorist or a hit-and-run driver. Underinsured motorist coverage pays when you or your passengers are injured as a result of negligence by someone with insufficient liability insurance to cover your losses.