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Understanding Your Auto Insurance

Bodily Injury Liability

This coverage, which is required in Nebraska and Iowa, compensates the driver of the other car and its passengers in the event you get into an accident. It also covers the passengers in your car.

The main consideration here is protecting your assets against lawsuits that arise from auto accidents. “But I’m a careful driver,” you say. It doesn’t matter. You can get sued even if the accident is not your fault.

Property Damage Liability

This coverage will pay for the repair and replacement of the other guy’s car or property in the event of an accident. State-required minimums are as low as $50,000, but if you total somebody’s Lexus, that won’t begin to cover the damage.

Medical Payments

Covers medical expenses to you and your passengers injured in an accident. There may also be coverage if as a pedestrian a vehicle injures you. This coverage applies, regardless as to who is at fault.

The nice thing about this additional coverage is, it can be used to pay incoming medical bills while your accident claim is being settled.

Medical Payments may also cover policyholders and their family members when they are injured while riding in someone else’s car or when a car hits them while on foot or bicycling. Coverage is limited to the terms and conditions contained in the policy.

Uninsured or Underinsured Motorist

This coverage pays for medical and funeral costs for you and your family in the event you get in an accident with either a hit-and-run driver or a driver who doesn’t have enough auto insurance. These policies usually cover bike and pedestrian accidents, too. Given the prevalence of uninsured drivers nationally, this coverage is essential.

Collision and Comprehensive collision insurance

Collision reimburses you for the full cost of repairs or replacement of your car after an accident.

Comprehensive covers you in the event your car falls victim to a natural disaster, vandalism or theft.

With either coverage, the lower the deductible you choose, the more the policy will cost you. We recommend that you always choose the highest deductible you can afford.

Rental Car Reimbursement

Covers renting a car if your car is not drivable or while your car is being repaired because of a covered accident.

Towing and Labor roadside assistance

Also referred to as Tow Club, Emergency Road Service, Emergency Roadside Service, coverage is only available if you purchase Comprehensive and/or Collision Coverage. Some policies limit coverage to pay only when a claim has been issued against your physical damage coverage (an accident). Coverage limits are different for each carrier, but typically, this is what is covered.