Auto Coverage Options from JGS Advisors Insurance Group, LLC

March 15, 2017

YOUR COVERAGE OPTIONS*
All policies include liability coverage, which protects
you financially if you’re responsible for an accident.
This is required in most states. You can also buy
optional coverages to protect your investment in your
car, pay your medical bills, or even help if your car
breaks down.
Here’s a list of coverages and a brief explanation
of what they do.
LIABILITY
We pay if you injure someone or damage someone’s
property in an accident. When you buy liability, you
choose a limit—the maximum amount we’ll pay for
a liability claim. Most states require you to have a
minimum amount of liability coverage.
COLLISION
We pay to repair damage to your car when you hit,
or are hit by, another vehicle or object, regardless of
who’s at fault.
COMPREHENSIVE
We pay to repair damage to your car that’s caused
by something other than a collision, such as fire, theft,
vandalism, hail or flooding. We also pay for damage to
your vehicle caused by hitting an animal.
When you buy collision and comprehensive, you
choose a deductible—typically $250 or $500. This
is the amount you pay to the repair shop. We pay
the rest.
While collision and comprehensive aren’t required
by law, your bank may require them if you finance
or lease your car.
› UNINSURED MOTORIST PROPERTY DAMAGE
(UMPD)
We pay to repair damage to your vehicle caused
by a driver who doesn’t have car insurance.
› UNINSURED/UNDERINSURED MOTORIST BODILY
INJURY (UMBI)
We pay for your medical expenses, lost wages, and
other damages when you’re hurt in an accident
caused by a driver who has insufficient or no
insurance.
› MEDPAY (ALSO KNOWN AS MEDICAL
PAYMENTS)
We pay for the cost of reasonable and necessary
medical care you get as the result of an accident,
regardless of who’s at fault.
› PERSONAL INJURY PROTECTION (PIP)
We pay for medical bills and—in some states—other
living expenses while you heal if you’re unable to
work as a result of an accident, no matter who’s
at fault.
› RENTAL REIMBURSEMENT
We pay for your rental car while your car is
being repaired as part of a comprehensive
or collision claim.
› ROADSIDE ASSISTANCE
We pay for repairs or towing when your vehicle
breaks down due to mechanical or electrical issues,
a dead battery, or a flat tire; you’re locked out of your
car; your vehicle runs out of gas; or your vehicle gets
stuck in the snow or mud.
› LOAN/LEASE PAYOFF (ALSO KNOWN AS GAP)
We pay the difference between the settlement
amount and the amount you owe the bank if we
declare your vehicle a total loss. This difference
can easily be several thousand dollars for newer
cars, which tend to depreciate in value quickly.
* Coverage is subject to policy terms and conditions, and availability varies
by state. See your policy and declarations page for more details about
your coverages.

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