| Types of Coverage |
Covers |
Pays For |
Required |
| Liability Bodily Injury Property Damage |
The insured’s legal liability for bodily injury and
property damage arising from ownership or use of the insured vehicle |
Your responsibility to pay for medical, death and hospital expenses
including cost of repairs to other party’s vehicle or property |
Yes, by California Department of Motor Vehicle Code |
| Uninsured/Underinsured Motorist Bodily Injury |
The other party’s legal liability to you for bodily
injury arising from the negligent operation of their uninsured vehicle |
Provides coverage for a policyholder involved in a collision with a driver
who does not have liability insurance or who does not have sufficient liability limits to
pay for damages |
No, but every automobile insurance company must offer
uninsured motorist coverage, and they are required to have a signed waiver on file if the
coverage is rejected |
| Uninsured Motorist Property Damage |
The other party’s legal liability for property damage
arising from the negligent operation of their uninsured vehicle |
Cost of repairs to your vehicle not covered by collision insurance,
subject to a limit of $3,500. UMPD coverage pays for the property damage to your car when
there is a collision with an identified uninsured driver. |
No, but every automobile insurance company must offer
uninsured motorist coverage, and they are required to have a signed waiver on file if the
coverage is rejected |
| Medical Payments (PIP) |
All the occupants of your vehicle |
Medical expense incurred without question of legal liability |
No |
| Comprehensive Physical Damage other than Collision |
The insured vehicle subject to the deductible |
Cost of repairs or the fair market value of the vehicle |
Yes, by lenders and leasing companies |
| Collision |
The insured vehicle subject to the deductible |
Cost of repairs or the fair market value of the vehicle |
Yes, by lenders and leasing companies |
| Rental Reimbursement Daily limit and number of days
subject to policy terms |
Named Insured |
Cost of a rental car while your vehicle is being repaired under coverage
afforded by the policy |
No |
| Towing |
Named Insured |
Reasonable and necessary towing and labor cost subject to policy terms |
No |
