| Your policy covers you, your spouse, and other family members who live in your household and are entitled to drive one of your vehicles. Your policy covers injuries or damages you cause to someone else. Most state laws require that you carry a minimum amount of liability insurance, which pays for injuries or damages you cause to someone else. (We recommend that you carry much more than the minimum - - enough to protect all your assets.)
What else is covered? That's up to you. Once you've met the legal requirements (and we tell you what these are when you get a quote), you should select other types and amounts of coverage that will tailor your policy to your own needs. Here's what an auto policy can cover, above and beyond your liability:
- Your car - Your automobiles as listed on the policy, and any additional vehicles you buy over the next year.
- Your cars against collisions - Your car is covered against collisions it may have with any other object, no matter who caused it.
- Your cars against damage from almost anything else - Vandalism, theft, broken
glass, storms, and falling objects.
- You, your passengers, and your car against uninsured or underinsured motorists - If you're hit by someone who either doesn't have insurance, or doesn't have enough insurance to cover the accident, your loss is covered under your auto policy.
- You and your passengers for medical injury payments - Reasonable medical (and funeral) expenses incurred as a result of injuries sustained in an accident.
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