What is auto insurance?
Auto insurance is meant to protect you if you cause injuries to others or damage their property in
an auto accident. It can also provide protection if your car is damaged in an accident or is stolen.
The coverage is provided in your policy you purchase.
What is automobile coverage?
Liability insurance covers injury’s to the other person and damages to the other car – this is the
least amount of coverage you must carry. Also covers damage to other car or cars, coverage
for medical expenses and uninsured motorist coverages (for situations where someone without
enough insurance injures you or a family member). There are a variety of coverage options
available; they may vary by state and by company
More coverage is available upon request.
What are the most common types of auto insurance coverages? (All coverages are subject to the
limits, terms and conditions of the actual policy you purchase.)
Bodily injury liability coverage generally pays damages for bodily injuries to the driver and
passengers of the other vehicle when you are responsible for an accident. It also provides
coverage to defend you if you are sued because of an auto accident.
Property damage liability coverage generally pays for damages to another person's property (e.g.
their car) when you are responsible for an accident. It also provides coverage to defend you if
you are sued because of an auto accident.
Medical payments coverage generally covers you, household relatives and your passengers for
medical expenses that result from injuries sustained in an auto accident. It also covers you as a
pedestrian if you are hit by a vehicle.
Some states have personal injury protection (PIP) in place of, or in addition to, medical
payments coverage. This is also known as no-fault coverage. PIP can generally pay for medical
expenses, funeral expenses, loss of income and other expenses for injuries or death due to bodily
injury sustained as the result of a car accident.
Uninsured or underinsured motorist bodily injury coverage generally pays for damages for
bodily injury to you and your passengers when caused by another in an auto accident and the
person legally responsible either has inadequate or no insurance. This coverage varies greatly
by state. In some states it may be a combined coverage, while other states may offer it as two
separate coverages (e.g. one for uninsured motorists and one for underinsured motorists).
Collision coverage generally pays for damage to your car if it hits another car, object, or
overturns. A deductible applies to this coverage.
Comprehensive coverage generally pays for damage to your car if it is stolen or damaged by
certain causes other than collision, such as fire, theft, hail or vandalism. A deductible applies to
What should I consider when purchasing an auto insurance policy?
Find coverage that fits your needs. Think about you and your family's specific circumstances,
including your risk tolerance and your budget and the value of your car.
As an independent agent the Cote Agency has access to over 50 companies and we do all the shopping for you.
We can get you the best rate and the best coverage for your particular situation. Contact us now for your personally
tailored insurance review.