AUTO INSURANCE IN ACTION

See how your auto insurance performs

Scenario #1

A tree falls on your car during a thunderstorm causing major damage.

Here's where your comprehensive coverage proves its value.

You'll pay your deductible – say $1,000 – and then your comprehensive coverage pays the rest of the bill. If your car is considered a total loss, your insurance will cover the actual cash value of the car or what it's worth today, minus that $1,000 deductible.

Scenario #2 

Your car collides with a stopped car at an intersection. Both cars are damaged but no one is hurt.

Your collision coverage covers the repairs on your vehicle, minus the deductible. If your car is considered a total loss, you'll get the actual cash value of the car, minus the deductible. If you're liable for damage to the other vehicle, your property damage liability coverage provides coverage up to the limit.

Scenario #3

You're driving alone when your vehicle collides with a car carrying three people. Everyone sustains injuries

As in scenario #2, your collision coverage covers the damage to your car and your property damage liability covers damage to the other car up to your property damage liability coverage limit.

Where it's available, PIP – personal injury protection – may pay covered medical expenses up to the limit of the policy, regardless of who was at fault in the accident.

If the other driver is liable, but has no insurance, youruninsured/underinsured motorist coverage could provide protection up to the limits of your uninsured/underinsured motorist liability limit.

If an injured person sues you, your bodily injury liability provides your defense and, if you're found responsible, that same coverage pays damages up to your bodily injury liability limit.